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closeupready

(29,503 posts)

17. The Fair Debt Collection Practices Act is strictly enforced

Reply to Maraya1969 (Original post)

Wed Jun 8, 2016, 09:43 AM

Jun 2016

from what I understand - it was passed to assuage the outrage from voters over the bankster giveaway of 2005's bankruptcy reform.

Debtors should inform themselves as to the terms of that federal law, how it restricts the means by which creditors can collect debts, what they can and can't do, and provides for hefty fines in the event a creditor violates the FDCPA.

Not a lawyer, just sharing my layman knowledge of these things.

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Fighting debt collectors for the rest of us [View all] Maraya1969 Jun 2016 OP

I just try to stay out of debt and get any I have paid off quickly. linuxman Jun 2016 #1

Did you listen to the example from John Oliver? Maraya1969 Jun 2016 #2

Literally nothing I said is at odds with your first 3 paragraphs. linuxman Jun 2016 #8

Please go back and re-read my OP with the edit. It just blows my mind that you cannot wrap your Maraya1969 Jun 2016 #9

I never assumed you were poor, nor anything else about you. linuxman Jun 2016 #20

I'm the same way linuxman Yupster Jun 2016 #16

Once you get the big stuff out of the way, linuxman Jun 2016 #21

The real problems arise when the debts are sold. haele Jun 2016 #18

That sounds pretty shitty. linuxman Jun 2016 #22

I do that on unsolicited calls selling anything Jim Beard Jun 2016 #3

I had to talk with them a bunch and I wasn't even in debt nor owed any. NutmegYankee Jun 2016 #4

Yes, of course. Because it's the debt collector's fault that you're in debt. WillowTree Jun 2016 #5

DID YA CATCH THE PART WHERE I SAID "VICTIM" OR DO YOU NOT UNDERSTAND THAT CONCEPT? Maraya1969 Jun 2016 #6

Did you catch the part where you didn't give any info about your "victimhood"? WillowTree Jun 2016 #13

Your post has been bothering me and I think I just figured out why. Maraya1969 Jun 2016 #28

It's the debt collector's fault for violating laws with impunity. killbotfactory Jun 2016 #7

I have almost no debt, and all of what I do have is current, but I still get harassed Ex Lurker Jun 2016 #10

^^^This^^^^ Gormy Cuss Jun 2016 #15

I had that problem. Previous owner of my phone number was in debt, got harrassed for months. NutmegYankee Jun 2016 #24

A couple of my mother's friends have been tricked Mariana Jun 2016 #11

Thank you. From my experience they lie for a living. And from reading some of the Maraya1969 Jun 2016 #12

I agree. It IS the way conservatives think annabanana Jun 2016 #14

The Fair Debt Collection Practices Act is strictly enforced closeupready Jun 2016 #17

my sister got into trouble and since my dad had co-signed for her they started calling my mom demtenjeep Jun 2016 #19

That's it! That is what I was talking about and I'm so glad to hear someone used it way before it Maraya1969 Jun 2016 #25

I'm friendly with debt collectors. It's the worst job in the world. hunter Jun 2016 #23

I am really sorry you had to experience these things. Hopefully our country is Maraya1969 Jun 2016 #26

ask them if they are licensed KT2000 Jun 2016 #27