The debt collection industry has only one goal: to make money by collecting debt. Sometimes, debt collectors will use illegal methods to collect debt – and all the while they are hoping that you don’t know that what they are doing is wrong. Here are some things you need to know to make sure you’re not taken advantage of.
- If the debt collector wants to garnish your paycheck or bank account, they must take every one of these following steps: file a lawsuit, get a judgment, and then present a writ of garnishment to your employer or bank. Sometimes debt collectors will tell you that they will garnish your paycheck or bank account the next day, but now you would know this is a lie, as there is no judgment against you.
- You cannot be arrested if you do not pay your debt. A debt collector may threaten that they will have you arrested if you do not pay, which is not only impossible, but threatening arrest is illegal under the FDCPA.
- Once you tell a debt collector to not contact you at work, they must abide. This is outlined in detail in the FDCPA.
- It is illegal for a debt collector to contact your employer and tell them about your personal debt. A debt collector is never allowed to talk to a third-party about your debt.
- It is illegal for a debt collector to attempt to force, or successfully make your domestic partner pay your personal debt.
If a debt collector has ever attempted any of these illegal methods of debt collection mentioned above on you, get in touch with an experienced attorney right away to make sure you put an end to their criminal actions.
For over 25 years, Jonathan Ginsberg has represented honest, hardworking men and women facing financial troubles.
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