Добавлено (2022-06-16, 5:19 PM)
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If you received a collection notice or are receiving harassing phone calls for debt that you believe is not yours, you have legal rights. Under the Fair Debt Collection Practices Act (FDCPA), you have a right to make the lender show you proof of the debt through the debt validation process. Rest assured, collection agencies make mistakes. In some cases, the person receiving the letter has already paid the debt. Other times, even though the letter looks legitimate, the collection agency may be attempting to get money for a bogus debt. It is even possible that it is a legitimate debt, but the creditor never hired the agency to collect it. Our New York debt harassment lawyer at Jacovetti Law, P.C. If you have a question about a collection letter charging you with a debt, we can help you address and resolve it. According to the federal Fair Debt Collection Practices Act, consumers have the right to require a collection agency to verify the amount and validity of the debt. Once you receive a collections letter, you must act quickly.

The Fair Debt Collection Practices Act is an important tool designed to protect consumers. Obviously, you should never have to pay a debt you did not incur. Furthermore, if it is your debt, you still may be able to negotiate a lower amount and wipe the debt clean. When you receive a debt collections letter, New York debt harassment defense attorney Robert Jacovetti is here to help. During a free 30-minute consultation, you can find out how our firm can help you. We take pride in helping people fight unfair collections practices. Contact us today to schedule a free consultation with a legal professional who will stand up for your consumer rights.

A collection agency’s first letter usually includes the debt amount, creditor name, and a note advising that you have 30 days to dispute the validity of the debt. In addition, the letter should advise you that if you do not dispute the debt’s validity in writing within 30 days, the debt will be assumed valid. At that time, the agency can use legal efforts to pursue collection. If you live in New York and have received a debt collection notice, consult with Jacovetti Law, P.C. Our firm can prove that the debt collection agent is wrong or, if the debt is indeed yours, we can negotiate on your behalf to get the collections agent to accept less than the full amount of your debt.

There are no statutory licensing requirements in the state of Louisiana. What is the Fair Debt Collection Practices Act? The U.S. Congress enacted the FDCPA in 1977. Added it to the Consumer Credit Protection Act in 1978. S. Congress enacted the FDCPA in 1977. Added it to the Consumer Credit Protection Act in 1978. Congress enacted the FDCPA in 1977. Added it to the Consumer Credit Protection Act in 1978. Its purpose is to eliminate abusive practices of third-party debt collectors. To that end, the Act establishes guidelines for the conduct of debt collectors, defines the rights of consumers, and prescribes penalties for violations. The FDCPA defines “debt collectors” as “any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debt … In other words, “debt collectors” are defined as third parties collecting for a creditor.

Approximately 100 core members represent the most prestigious commercial collection agencies in the United States. Members of the CCAA are the only collection agencies in the United States certified by the Commercial Law League of America. In order to obtain certification, the agency must meet rigorous criteria. The agency must have been in business at least four years prior to application for membership. 80% of the agency’s business must be commercial (business-to-business). The agency must maintain a separate Trust Account into which all monies belonging to creditors are placed. This Trust Account is reviewed twice annually by the Executive Director of the CCAA. The agency must agree to abide by the CCAA Code of Ethics, which sets ethical standards for dealing with creditors, debtors and attorneys. Executives of the agency must meet continuing educational requirements and attend regular CCAA meetings.

The member agency must complete sixty continuing educational credits annually. The agency must post a surety bond of at least $300,000 for the protection of the creditors it serves. One person in the agency must also be a member of the Commercial Law League of America. The agency must agree to random periodic site visits from the CCAA Executive Director. The agency must be in compliance with all local and state licensing requirements and regulations governing commercial collection firms. Primarily, the Commercial Law League of America and its Commercial Collection Agency Association have assumed responsibility for looking after the needs and rights of creditors and their customers/debtors. State governments that require licensing. Bonding of commercial debt collectors also play an important role. However, since membership in the CCAA is not compulsory, and some firms may provide collection services in a state but never get licensed, it is up to creditors to ensure they (and their debtors) are receiving the most ethical and highest level of commercial collection service. How? Check to see if your Agency is both a member of the Commercial Collection Agency Association and therefore certified by the Commercial Law League of America, and is licensed in the U.S. Burt And Associates is a member of both CCAA and CLLA. Also, we are licensed in bonded in all 50 states (where required).

Source:

- https://nocollectioncalls.com
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Добавлено (2022-06-16, 5:21 PM)
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