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Civil Lawsuit Debt Collection Article
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The Debt Collection Law: What You Need to Know if You are in Debt?
Under the Fair Debt Collection Practices Act (FDCPA), you are protected from the abusive actions of a debt collector. No matter how much the creditor wants his money back, he needs to follow the guidelines of this debt collection law. This law has special implications for you, your workplace and even your medical care.
The Debt Collection Law and Your Workplace
The debt collection law, specifically the FDCPA, specifies that a debt collector may contact your office only to inquire about your location, your home address as well as your contact information. This form of contact can only be done if the debt collector has no other means of locating your current residence.
Meanwhile, the debt collection law also gives the debt collector the right to send papers and documentation to your boss. These documents are files on your debt that are somehow related to your job and your salary. A common example is a court order that asks for details about your salary.
However, the debt collector is not allowed to volunteer any information regarding your debt. The debt collector may only share this information if your boss asks for it, or if he is asking your boss to answer certain paperwork that is related to your debt. While the debt collector may not share the details of your debt, your employer may have other ways of obtaining such information. Usually, records of your debt may appear on your credit rating. Since your employer is allowed to view this information, he may learn about your debt.
The Debt Collection Law and your Health Care
Unpaid medical bills are a huge concern for creditors and their collection agencies. If you fail to settle your medical bills, your healthcare provider may turn over your account to a collection agency. However, the debt collection law and the law concerning medical bills indicate that you must first agree to such a transaction before a collection agency takes over your account. If for some reason you dispute the debt, you may raise your concerns at this point.
Even though a debt collection agency is taking care of your account, your healthcare provider will still protect your privacy. To this extent, the healthcare provider will only release information on your name, address, account number, social security number and your date of birth.
The Debt Collection Law and Identity Theft
The debt collection law also has provisions for identity theft. If a collection agency contacts you regarding a debt that you have no previous knowledge of, you may be a victim of identity theft. The first thing you should do is ask for documents regarding your debt. Ask for transaction records, letters of agreement, and receipts. If you have verified that the debt is really not yours, ask the debt collector for a fraud affidavit form. Once the form is processed, the debt collector will stop contacting you and the identity thief will be pursued.
Civil Lawsuit Debt Collection Specific links
Civil Lawsuit Debt Collection News
Hospital Debt Collection A Symptom Of A Sick Health Care System - Huffington Post
Hospital Debt Collection A Symptom Of A Sick Health Care System Huffington Post Aggressive debt collection stems from larger failings of the US health care system. No one at the hospital ever said Bruce Folken's medical care would suffer if he didn't pay up, but it sure felt that way. Folken, 62, went to Fairview Ridges Hospital ... |
Medical debt collector under fire for tough tactics, • A civil suit accuses ... - Bend Bulletin
 ksl.com | Medical debt collector under fire for tough tactics, • A civil suit accuses ... Bend Bulletin Since January, it has faced a civil lawsuit filed by Attorney General Lori Swanson of Minnesota alleging that it violated state and federal debt-collection laws and patient privacy protections. Swanson, though not bringing further charges on Tuesday, ... Firm accused of aggressive debt collection at hospital Debt collector's alleged questionable tactics raise questions in Utah Chicago medical debt collector's methods chastised |
Debt collector sued by Arkansas AG wins appeal - Arkansas News
 InsideARM | Debt collector sued by Arkansas AG wins appeal Arkansas News McDaniel had filed a lawsuit accusing Boyajian of “badgering and harassing” Arkansas residents in attempts to collect debts, sometimes using threats of civil or criminal action and sometimes targeting people who owed nothing. State Supreme Court Dismisses AG Suit Against Collection Law Firm…Again |
Embattled Hospital Debt Collector Taps Politicians For Defense - Vermont Public Radio
Embattled Hospital Debt Collector Taps Politicians For Defense Vermont Public Radio ... a lawsuit against Accretive Health in Jan., saying the company failed to protect the confidentiality of health care records for thousands of Minnesota residents. The charges have widened to include the company's tactics in collecting debts. |
Circuit Court Rules Against Debt Collector in TCPA Case on Reassigned Cell Number - InsideARM
 InsideARM | Circuit Court Rules Against Debt Collector in TCPA Case on Reassigned Cell Number InsideARM A debt collector's autodialed calls to a reassigned cellular telephone number violate the Telephone Consumer Protection Act (TCPA) unless the current subscriber to that number has consented to the calls, the Seventh Circuit has ruled. |