FTC to Debt Collectors: Play by the Rules!

If you’re behind in paying your bills, you may be contacted by a debt collector — someone who regularly collects debts owed to others. This includes collection agencies, lawyers who collect debts on a regular basis, and companies that buy delinquent debts and then try to collect them.

You have the right to be treated fairly by debt collectors. Under federal law, they can’t use abusive, deceptive or unfair practices to collect from you. But not all debt collectors play by the rules. In fact, the FTC recently settled a case against Rumson, Bolling & Associates, a debt collection company that berated people with obscene and profane language, threatened them with physical harm, told their employers, co-workers, neighbors, and other people about their debts, and falsely threatened them with lawsuits, arrest, seizure of their property, or wage garnishment. All of these actions are against the law, and the FTC has seen to it that abusers pay dearly. The company is permanently banned from the debt collection business and has agreed to pay more than a million dollars in judgments.

It’s important to understand your rights if you’re ever contacted by a debt collector. And if you believe a collector has violated those rights, the FTC wants to hear about it.

Tagged with: debt
Blog Topics: 
Money & Credit


wish we had been able to use this last year -daughter threstened with evwerythiong and they collected two thousand dollars to supposedly keep her job and avoid garnishment -all a hoax we later learned but no way to retrieve anything


Debt collection agencies are utilized and contracted with the original company you owe a debt too.

You can notify the original company you owe & tell them in writing (as well as the debt collection agency) that you will only deal with the original company.

my bank has been levy and the collection company will not give me validation on the money I owe , because the business closed down

How can a creditor charge-off more than your balance owed?

How can the collection co. that bought the debt from the creditor show a different and much higher bal. due than was owed the creditor?

Some don't charge what they are suppose to in interest and that is what they are doing. My state's laws says that debt collectors can't charge interest until there is a judgement award. You go tell that to debt collectors and they will laugh at you. Another thing that you must do is if you are sued, look over the affidavit attached. Look for items that you would normally see on affidavits. If you live outside of New York and your affidavit came from New York, look for the Embossed Notary Seal that should be on the affidavit. New York requires that all legal documents that are filed outside of New York in Courthouses and municipalities have the New York Embossed Notary Seal. This seal cannot be duplicated to be filed in Courthouses so it has to be the original document filed. Only the Clerk of the Court may make a copy an attach it to the Summons. (Be sure to answer the Summons.) Another thing is that some debt collection servicers' affidavits are not written correctly and a Notary Public should never stamp their seal on a fraudulent affidavit. Going back to this Seal. If the New York Embossed Notary Seal does not appear on the affidavit attached to the Summons, the attorney who filed it has "entered fraud upon the court" right then.
One particular collection agency has done this countless times. Even the ones that have already been in court. Mine and all these others are fraud because they were filed out of the State of New York.
I have one on my credit report that has a lower balance wrote off. But then again it was so called written off twice. Once in 2010 and then right above a debt collector's name in 2011. How can a national bank write off the debt twice after other debt collectors have bought it? We will find out 3-22.

Had any complaints about Roanoke Gas? They've notoriously, with me & at least one other person, attempted to collect on ancient debts. I owed a debt that they received a judgement for in 2003, which was stated in a recent collection letter. It's been 10 years! Gimme a break, I could've bankrupted them and it'd be off in that amount of time! A judgement is supposed to remain on credit reports for 7 years, or so my belief, so I've called the collectors and dared them to send me another letter or call me, & happily left my ph #! The debt was legitimate-at the time...but how long can they keep digging up old sh**?

This is called zombie debt because they resurrecting a dead debit. Check your state laws, judgments can be 7-10 years depending on the state.

What is a new wife's recourse when debt collectors start calling her on new husbands old debts with ex wife?

how can we check if the debt collectors are legit? I got a call and the collector is telling me if I don't settle, I will have to go to court and it will be more costly. But I never received anything in the mail from them until I requested he do so. I just received the letter today and it looks like something I can do in my computer and to top it off it has an electronic signature its not signed. this really makes me nervous it may be a scam. I can't afford to give money away right now. what do I do?


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