bill collectors

FDCPA | Communication in connection with debt collection

FDCPA

Fair Debt Collection Practices Act

805. Communication in connection with debt collection [15 USC 1692C]

(a) COMMUNICATION WITH THE CONSUMER GENERALLY.  Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt —

(1) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 o’clock antimeridian and before 9 o’clock postmeridian, local time at the consumer’s location;

(2) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney’s name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or

(3) at the consumer’s place of employment if the debt collector knows or has reason to know that the consumer’s employer prohibits the consumer from receiving such communication.

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Hire a Collection Agency | Save Time and Money

SAVE TIME AND MONEY

Hire a Collection Agency | Save Time and Money

Considering hiring a collection agency is a situation many business owners find themselves in; a collection agency is a lot like a detective agency, except it focuses all of their energy on unpaid debts.

Locating debtors takes time and skill. It’s what they do, searching databases, paying for access to these sites, and knowing just where to turn to find someone. Often times it takes a large chunk of time out of your business to spend the time and energy searching for people.

A collection agency will contact family, friends, and even neighbors in hopes of finding a lead on the debtor. With a collection agency having more resources available to them than the average person or business, it is more efficient as a business owner to turn accounts over to a collection agency.

When is the right time to hire a collection agency?

 

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Collection Agency | How do they work?

Collection Agency | How do they work?

Collection agencies use many methods to convince the debtor to meet their financial obligations. Reporting to credit reporting agencies is a very common practice, which affects further credit from being extended to the debtor in the future. Collection agencies use phone contact and mailings, and investigate debtor’s assets to see how best to recover the debts. Locating the debtor’s employment and putting a lien on their paycheck is another way collection agencies recover debts that are owed.