If you have ever fallen behind on your debts you already know  that dealing with your creditors can be a hassle, the easiest thing to do is to retain a Phoenix bankruptcy attorney.  Sometimes  it can be downright embarrassing.  It doesn't have to be that  way. With millions of people experiencing financial trouble it  is absolutely necessary for everyone to know and understand  their rights as a consumer concerning debt collection. Federal law requires that you receive fair and equal treatment  from businesses issuing credit.  This law applies when they  evaluate your applications for credit, insurance, employment,  and even leases. 

The one area where we receive the most complaints are from  individuals that are being harassed by collection agencies  These  complaints range from debt collectors contacting their work and  family members to being called names.  All of these are a direct  violation of the Fair Debt Collection Practices Act (FDCPA).   This article spells out exactly what your rights are as a consumer. 

Here are some areas of this article directly from the  Federal Trade Commission's web site to ensure that the  information is explained exactly as the law applies. These  areas are identified. 

The FDCPA lists the following guidelines that must be followed  by all debt collectors: 
(Copied from the Federal Trade Commission web site)

    Debt collectors may contact you only between 8 a.m. and 9 p.m.
    Debt collectors may not contact you at work if they know your employer disapproves.
    Debt collectors may not harass, oppress, or abuse you.
    Debt collectors may not lie when collecting debts, such as falsely implying that you have committed a crime.
    Debt collectors must identify themselves to you on the phone.
    Debt collectors must stop contacting you if you ask them to in writing.  

It also prohibits debt collectors from engaging in unfair, deceptive, or abusive practices while collecting these debts.

It is very important to keep a record of any contact you make  with your creditors especially when there is a dispute or  misunderstanding regarding your account.  You should list the  name and address of the company, date and time of the call, the  name of the person you spoke with and the content of the call.   

Another important aspect of your consumer rights is Credit  Reporting.  Derogatory information in your Credit Report can  have serious consequences.  It is ultimately your responsibility  to ensure that the information in your credit report is accurate  and up to date. 
There are numerous companies that offer "Free Credit Reports",  however, you are obligated to sign up for their "Debt Monitoring  Service" which usually costs about $80.  You will receive a free  credit report and if you cancel your monitoring service within  30 days it will cost you nothing.

Your best bet is to order your  credit report directly from a Credit Reporting Agency.  It will  only cost you about $9. Below is a list of the three main companies:

PO Box 740241
Atlanta, GA 03074-0241
(800) 685-1111
PO Box 2104
Allen, TX 75013-2104
(888) EXPERIAN (888-397-3742)
Trans Union
PO Box 1000
Chester, PA 19022
(800) 916-8800




   Phoenix Bankruptcy Lawyers