In 1978, the Fair Debt Collection Practices Act was added, as Title VIII, to the Consumer Credit Protection Act. Its purpose is to ensure debt collection is pursued fairly rather than abusively and to give consumers a way to dispute or validate the accuracy of certain debt information. Guidelines inform collectors on how to conduct business, the rights of consumers and the penalties for violating the Act.
How exactly does one violate the Fair Debt Collection Practices Act?
There are several ways to violate the Act, beginning with a failure to follow proper protocol when obtaining information: During this process, a collector must identify himself and state merely that he is collecting information, not that the consumer in question is in debt. The collector may only approach an individual once unless otherwise requested, and communication cannot be in the form of a post card. Any documents exchanged must not reveal that the collector is attempting to collect from the debtor, and finally, once an attorney is obtained by the debtor, the collector must go through the attorney and no other individual.
Similarly, when collecting the debt, certain rules apply: Communication between the debtor and the collector may not take place at any unusual […]
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Tax debt information can make the difference between paying more tax debt than was necessary or striking a reasonable compromise with the Internal Revenue Service. Anyone who has had to deal with the Internal Revenue Service knows that the agents are not always reasonable and that they certainly don’t care if your life is ruined over a tax debt. But having someone who understands the Internal Revenue Service and its tactics can insure all your taxpayer rights are preserved while seeking relief.Leveling the Playing FieldIf you’ve ever had to talk to the Internal Revenue Service, the first thing you realize is this particular playing field is not level in any way. They have all the power, so it seems, and the one decision they make can affect your life for years to come. If the agent won’t let you work out a compromise or insists you pay the tax in full, the situation seems quite hopeless.Using a professional who has tax debt information can help to level the playing field. Trying to deal with the Internal Revenue Service on your own is like trying to stand on one end of a board placed on a balance ball. You have no […]
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