The fair debt collection practices act Essay Example | Topics and Well Written Essays - 500 words

The fair debt collection practices act - Essay Example First is hours for phone contact, contacting consumers by telephone outside of the hours of 8:00 a.m. to 9:00 p.m. local time is prohibited in respect to private time of the person to be collected. Next is failure to cease communication upon request, communicating with consumers in any way after receiving written notice that said consumer wishes no further communication or refuses to pay the alleged debt, with certain exceptions, including advising that collection efforts are being terminated or that the collector intends to file a lawsuit or pursue other remedies where permitted. This is in accordance to what has been stated in the written notice which is therefore considered as a mutual understanding between two parties. Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously: with intent to annoy, abuse, or harass any person at the called number. Such act is indeed an act that goes beyond the realms of the collection process as it br eaks through the rules of decency and formality. Communicating with consumers at their place of employment after having been advised that this is unacceptable or prohibited by the employer. All company duly uphold certain rules and regulations among their employees and anyone who still insist of getting through these companies in order to collect is highly prohibited by this law.