One of the most hated – and dreaded – phone calls is that from a creditor. These collection calls are to be expected when you are delinquent on your debts, but it doesn’t make it any easier to listen to the demanding creditor on the other end of the phone line.
As part of the Fast Track Debt Relief program, you will initially receive collection calls from creditors. This is because you must let your debts go delinquent, or overdue, in order for us to get the best settlement offers from your creditors. But we can help you in dealing with collection calls. We do not want anyone to be scared into a commitment they cannot keep and it’s easy to feel overwhelmed when talking to a creditor. Sometimes, things that are said during a collection call can jeopardize a settlement that we’re in the process of finalizing.
So, to protect our clients, Fast Track provides our clients with a service from the United Consumer Advocacy Network, which is also known as UCAN. This service helps our clients deal with collection calls by providing tips and what to say and what not to say to creditors.
UCAN defends the rights of consumers against unlawful, unfair and deceptive practices from creditors and their bill collectors. The client has rights, granted by the federal Fair Debt Collection Practices Act and various state laws, but these rights are frequently violated by unscrupulous collectors. Through UCAN, clients are empowered to become more aware of their rights in the credit world.
UCAN offers several tips for dealing with collection calls:
• You can stop a debt collector from contacting you. All that’s required is that you write a letter to the collection agency and ask them to stop. Once they receive your letter, they are no longer allowed to contact you again except to say there will be no more contact. They are allowed to notify you if a specific action is to be taken, such as a lawsuit.
• Debt collectors are not allowed to harass or abuse you. They cannot use threats of violence or harm against a person, property or reputation. They cannot publish a list of consumers who refuse to pay their debts, except to a credit bureau. They cannot use obscene or profane language. They cannot repeatedly use the telephone to annoy someone. They cannot call you without identifying themselves. They cannot advertise your debt.
• Debt collectors making collection calls are not allowed to use false statements, such as implying that they are attorneys or government representatives, or falsely implying that you have committed a crime, or falsely implying that they work for a credit bureau.
• A debt collector must send you a written notice within five days of the time they first contact you. This notice must state the amount of money you owe, the name of the creditor to whom the money is owed, and what you need to do if you believe the debt is false. If you send them a letter within 30 days of when you’re first contacted to say that you do not owe the debt, they may not contact you again unless they send you proof of the debt, such as a copy of the bill for the amount due.
• There are also limits to when a debt collector can contact you. They cannot contact you at unreasonable times or places, such as before 8 a.m. or after 9 p.m., unless you say they can. They also cannot contact you at work if you ask them not to.
As you can see, our clients have many rights to protect themselves from collection calls. We can work with you and provide you with service from UCAN to help you have a smooth experience with our program.
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