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Debt Laws are an important concept for debtors seeking a legal, and effective way out of debt. Whether credit card debt, personal loans, collection accounts, medical bills, foreclosure, or repossession you have a right to know what you can legally do. Here at Debt Laws we’ll specifically cover every aspect of debt arbitration as there are many way’s for consumers to rid themselves of these past due, or delinquent financial liabilities. To name a few there’s Consumer Credit Counseling Agencies, Debt Settlement Companies, Bankruptcy Chapter 7 and 13, and then there is also self-help which we hope to help you achieve.

Debt Law is a concept which protects you from the abusive collection calls, creditor harassment, malpractices by the debt buyers and collectors. It uses the regulations enforced by the Federal Trade Commission and FDCPA to provide stress less and peace of mind to US consumers being be-littled by collection agencies.

Federal Trade Commission is an organization of US Government which works on consumer protection in order to protect the right of the US consumer against any fraudulence or malpractices by not only the debt collection industry but many others.

Dealing with Abusive debt collector:

If you are being harassed by your creditor due to any of the following violations then you can file a complaint against them to the attorney General Office of your state and to FTC because your debt collector cannot harass you for the purpose of debt collection and if they do so it will be considered as serious offence.

• Specific time of contact: There is a time frame specified by the FDCPA for the creditor to call the debtor for the purpose of collection and no creditor is allowed to call the debtor outside the time line of 8:00 am to 9:00 pm as per local time of the debtor. If any creditor found to be violating this rule then debtor can file a complaint against that creditor to FTC and attorney general office of the respective state.
• Harassment over phone: No creditor is allowed to call the debtor repeatedly by using any profane language nor use any abusive language to the debtor in any case. If this rule is found to be violated by a creditor then a debtor can take necessary action against it.
• Calling at unwanted place: No creditor is supposed to call any debtor at his or her work place nor call the colleague or the relatives’ of the debtor at their home for the purpose of debt collection. Also it would be considered as an offence if the creditor will call a debtor at his or her work place without the permission of the employer.
• Cease communications: A debtor can ask a creditor to stop all the future communication by writing a “cease and desist” letter to the creditor. As per the FDCPA laws a creditor is not supposed to contact a debtor after receiving such letter, but the important thing to notice here is this rule cannot be applied to original creditor from where debtor owed the money. Only in some states it has been applied on the original creditor also. But a debtor is always welcome to write a “Cease & Desist” letter to any third party collection company as per the FDCPA. Violation of this rule can be informed to FTC.
• Unjustified debt amount: No creditor can demand any unjustified amount from the debtor, in this case the debtor has all the right to ask for a clarification from the creditor and creditor has to send the debtor a written clarification in regards to the matter.
• No Threatening Calls: Creditor’s are not supposed to call the debtor and threaten them to take a legal action if they do not pay the debt; also they are not supposed to give false information or misleading statements regarding this matter. It would be considered as serious offence especially the threatening of arrest to the debtor.
• Finally a debtor can file all their complaints to Federal Trade Commission (FTC) regarding the violation of FDCPA by the creditor and debt collector. A debtor has to file complaints with all the evidence in writing and he / she has to send all the copies to the creditor as well via mail. It is always suggested to consult a debt professional or attorney before making any complaints against your creditor.