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Beware of Illegal Collections Practices
When dealing with debt collectors, there is a fine line between annoying collections practices, and downright illegal collections activities. Before you can take action against a collections agency, it is important to know what behaviors are against the law.
One of the things debt collectors do to intimidate borrowers is threaten to sue over a debt that has long become uncollectible due to the statute of limitations. Most of these old debts are written off by the original debtor because the statute of limitations has tolled and the creditor is legally barred from collecting on the debt. Many debt collectors count on consumers being unaware of these limitations and hope to collect anyway. Don't let them get away with this.
Another illegal collections activity involves telephone communications. Debt collectors are not allowed to call you at your place of work. In addition, they are not allowed to leave voicemails or messages containing any personal information regarding you or the debt that they believe you owe.
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