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Collection Agencies, What You Need To Know
FAIR DEBT COLLECTION
Provided By
Charley Brown's Office
Attorney General
Consumer Protection Division
Complaints ?about ?harrassment by debt collectors are ?among
the most numerous complaints ?received by ?my Consumer Protection
Division. ?There are both federal and state laws to protect ?you
from unfair debt collection practices.
A debt collector may contact you in person, ?in writing, ?or
by phone. ?However, ?a ??debt collector may not ?contact ?you at
inconvenient ?or ?unusual ?times ?or at ?work ?if ?your ?employer
disapproves.
You ?may ?stop ?a collection agency from contacting ?you ?by
writing ?a ?letter telling them to stop. ?Once they receive ?this
letter, they may not contact you again.
No debt collector may threaten you with criminal prosecution
to scare you into paying a bill. ?A collection agency cannot sue
you, garnish your wages, or seize collateral on it's own.
Collection ?agencies ?cannot ?use obscene language ?or ?make
false ?statements ?when collecting a debt. ?In most cases, ??the
collector is ?not ?allowed to tell anyone other than you or ?your
attorney that you owe money.
If ?you ?should encounter problems with ?a ?debt ?collection
agency, ?please contact my Consumer Protection Agency, ?toll free
in West Virginia, at 1-800-368-8808.
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