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Even though the Fair Debt collection agency Practices Act (FDCPA) was put into position in order to protect consumers from bill collectors who would bend the law, many don't understand exactly what their rights are. Here are some on the most common questions about collection agency laws, and also the answers.


State's privileges.Even in States where collection agencies can garnish your wages or levy your home or savings they are limited in is a part can do. They can only garnish W-2 wages. When you are an independent contractor or if your income comes from tips they can't go after your wages.


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First off you should never, I REPEAT NEVER, sign a contract with a predetermined agency. That is insurance that the agency falls short of to work to earn company is for another 1 or 2 . Many collection companies will only transmit the collection letters and hope every person paid once they don't possess a time limitation.


Under FDCPA, you contain right to validate the debt. Ask the collector to influence you likely are the individual that is a major contributor to the liability. If they fail to prove it, they can't have the legal right to collect any debt of.


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