One of the biggest violations debt collectors commit during their aggressive debt collections is to lie over the phone. There are many lies that the debt collectors speak over the phone. They do not disclose their names while trying to collect from you. Sometimes they give you a false identities. ... [More]

Wage garnishment is upholding a part of your income  by your employer to repay your debt. Wages can be garnished by your employer only when there is a court order to garnish them for repayment of your debt. Wage garnishment is a consequence of the debtor losing a debt case. This happens whe... [More]

Third party debt collectors break the law by violating the Fair Debt Collection Practices Act (FDCPA). The FDCPA is enforced by the Federal Trade Commission (FTC) to direct and monitor debt collection practices by third party collectors. The FDCPA has laid down the guidelines for fair collection... [More]

Creditors engage debt collectors when they cannot recover payment from you. These collectors are third party agents who do not have any direct involvement with the debt. They are enthusiastic about collecting either the amount due or more from you. Hence the harassment begins. If you fall short ... [More]

The Fair Debt Collection Practices Act (FDCPA) came into practice to regulate the methods used by debt collectors in collecting debt. According to the FDCPA, a debt collector is someone who collects debts on a regular basis. This includes collection agencies, lawyers who collect debts on a regular b... [More]