| Everyone should know their rights when it comes | | | | false statements or threaten you any way. |
| to debt collectors harassment. There are several | | | | Sometimes a debt collector may ask for a post |
| steps you can take to stop a harassing creditor. | | | | dated check to make arrangements for |
| Creditors must abide by several federal laws in | | | | payments. It is against the law for them to |
| the attempt to collect debts. Sometimes these | | | | deposit this check before the date posted on the |
| collectors will cross the line in their attempts to | | | | check. Any attempt to seize property must be |
| contact you. They are not allowed to contact you | | | | done thru legal means and possibly ruled on by a |
| before 8 A.M. of after 9 P.M.. Collectors may not | | | | judge. Not many people realize that debt |
| contact you at work if you have stated that it will | | | | collectors cannot contact you by post card. you |
| cause a problem with your employer. Contact | | | | also need to know that debt collectors cannot use |
| with anyone that you listed as a reference is | | | | a false name or company name when attempting |
| permitted as long as they abide by the correct | | | | to contact you.next .... |
| times of day rule. Debt collectors cannot make | | | | |