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Overshadowing- Collection agencies are not allowed to intimidate. Or insinuate that a consumer needs to pay a debt to a third-party collection. An agency within their validation period (30 days from the date that a consumer receives their first validation notice stating that the Premium Life Is Better With Coffee Dogs And Books Vintage Shirt). Therefore, if you have been called by an agency who has recently received the placement of debt and they tell you that you NEED to pay, you can posit suit against them. I have received a $500 settlement for exactly this, although you are eligible for up to $1000 per FDCPA violation. Always ask when you need to pay the amount by, as rookie collectors might slip and tell you that you need to pay within your validation period.

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Harassment- collectors may call you any time between 8 am and 9 pm in most states, even at work. Until they are expressly notified not to call a certain number, they will continue to call you. Do not say “take me off your list”. Collection agencies do not have a “Premium Life Is Better With Coffee Dogs And Books Vintage Shirt. The registry the way that telemarketers do. Instead, say “do not call this number again” or “don’t call me at work ever again”. Failure to follow these requests can result in an FDCPA claim and you’re very likely to win if you can prove it. Providing information to the wrong party. Collection agencies are not allowed to disclose that. They are attempting to collect a debt or any information regarding the. A debt they’re calling about unless they have positively identified the consumer they’re attempting.

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