Fair debt collection law

Hi,

Without your prior consent to the debt collector or because of permission from a court, the debt collector can not contact you -

1. At unusual time or place or if it is known to debt collector that any specific time or place where you are contacted would be inconvenient for you.

2. If an attorney represents you with respect to that debt and such representation is known to the debt collector then he can not contact you unless the attorney fails to reply to his communication.

3. The debt collector also can not contact you unless the attorney consents to any such direct communication with you.

Colin

As per Section 805 of Fair Debt Collection Practices Act (FDCPA), the debt collector can not communicate with you at your place of employment if;

* He knows or has reasons to know that your employer prohibits you from receiving any such communication at the work place.

thanks both of you, can the debt collector communicate any one other person other than me for collection?

If you have not given direct consent or if the court gives permission, collector can not communicate with any person other than the creditor, creditor's attorney, his attorney, you or your -
-spouse,
-executor,
-parent (in case you are minor),
-guardian,
-administrator,
-attorney

Thanks,Jeffrey P. McManus

where can one report the problems one faces against a debt collector?

You can report the problems you are facing to Attorney General's Office in your state & FTC. Different states have their individual laws for debt collection and you can get more detailed information from the AG's office on what rights you have.