If you are getting debt collection calls or robocalls for someone else, here is what you need to know.
Fair Debt Collection Practices Act
Debt collectors cannot collect debts that have been discharged in bankruptcy. In fact, once a bankruptcy petition is filed, all debt collection must stop.
As noted in this recent New York Times article, however, a number of creditors and debt buyers are allegedly attempting to collect on discharged debts.
The Fair Debt Collection Practices Act (FDPCA) regulates how debt collectors can act when they are collecting debts from consumers.
A rapidly developing area of debt collection is collecting debts of a deceased individual.
This frequently leads to debt collectors contacting a consumer’s family and friends. If you are being contacted, it’s important to understand your rights against debt collectors.
For a variety of reasons, consumers frequently find themselves contacted by debt collectors.
Maybe there was a family emergency, a spouse lost their job, or a debt collector is calling trying to locate someone else.
Regardless of why a debt collector is calling, it’s important for consumers to understand their rights against debt collectors.