Atlantic recovery solutions and Stopping Harassment

Consumer Law Firm31 Jan, 2022Legal

Atlantic recovery solutions Act, or FDCPA, was passed in 1977 to prevent creditors and collectors from harassing consumers who were in debt. This act placed many strict regulations and guidelines on collection organizations as to what they could and could not do in order to be able to collect on the debts that people owed. Since then, not much has changed, although many fly-by-night collections groups don't follow the rules as they should. Here are some tips on what can and can't be done by collection agencies: Contacting Debtors Collection agents have the right to contact the debtor via phone, email, fax, in person, or through the mail. If a lawyer is present, the collector must get in contact with the lawyer and not the debtor directly. If there is no lawyer involved, third party contact is allowed, but only can be used to determine your residential address, your contact phone number as well as your place of employment. Other information cannot be sought.