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Debt Law
There are many things that can be done to those who owe money by
their creditors but there are also laws protecting the debtor from
abuse by the creditor. If you are being hassled because you owe
money you should look into debt law to make certain that your
creditors are not going farther than the law permits. They are not
allowed to use obscene language or any violent actions to try to
collect what is owing. The creditor may not use slander against the
debtor nor may they use threat of wage garnisheeing unless they have
followed the correct processes and have done so legally. Harassing
the debtor by calling at times that are not usual business hours is
also prohibited by law. That means if you get calls before eight in
the morning or after nine at night they are using illegal methods to
collect the money owing. They also are not allowed to call more than
twice weekly regarding the outstanding debt.
The creditor is not permitted to involve your employer in your
credit problems other than to locate you if they are having a
problem finding a contact method. They also are not allowed to
contact your family or friends other than to locate you. It is
against the laws that protect debtors for the creditor to discuss
your private issues with anyone other than yourself. They may not
make slanderous statements about you to anyone regarding the money
that you owe. There is protection for your character and they must
abide by these rules.
Furthermore, debt law states that the creditor must notify the
debtor of the outstanding debt and explain that you have the right
to dispute the debt if you think the information supplied is
incorrect. This must be in writing. As well, you have the right to
tell the creditor to stop pestering you about the debt; this too
must be in writing. They must notify you if they are planning to sue
you for the money. If you have hired a lawyer to deal with the issue
they must communicate through them. None of this means that you
should not try to pay back your debts only that you do have a
certain amount of legal protection.
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