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The Fair Debt Collection Practices Act, more commonly referred to as the FDCPA, is a USA laws that is designed to protect consumers who have creditors who are attempting to collect a debt from them. It has several features that are designed to accomplish this.

One of the most important things the FDCPA does is provide consumers with a way of disputing debts that they don’t feel they owe to supposed debtors. It also gives a way for consumers to keep track of debts they are responsible for. The FDCPA has teeth. There are penalties that can be applied to companies who break the fair debt collection act.

If the creditor is represented by an attorney, they cannot be contacted without violating the act. There are also specific hours set up that a creditor can contact a debtor. If attempts at contact are made outside of these hours, they are in violation. Creditors are also banned from publishing the consumers name on a ‘debt list’, contacting the consumer after the consumer has asked for validation of the debt and using abusive or profane language.

rickh :: Sep.29.2008 :: Finance :: No Comments »

Asking around is not necessarily the best way to find a caterer for corporate catering. For starters, the people you ask may have hidden motives for making their recommendations to you, and besides, just because they had a good experience with a caterer doesn’t mean that you will.

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:: Sep.29.2008 :: 1057 :: No Comments »

After pregnancy, stretch marks will not fade instantantly. They can last for a very long time, and you won’t eliminate them before at least six months after you have your baby.

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:: Sep.29.2008 :: 1055 :: No Comments »

A woman who is experiencing breast pain often becomes worried that the pain might be a symptom of breast cancer. While it is possible that cancer is the cause, you shouldn’t jump to any quick conclusions. Instead, you should contact your doctor so that he or she can schedule you for a mammogram to be performed as soon as possible. This test will help your doctor find any lumps or masses that might give reasons to be concerned.

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:: Sep.29.2008 :: 1053 :: No Comments »

Delicious food can make your party a big success. If you want yourself to be counted among one of the best party host you must serve your guests with some amazing delicacies. For that you need to put in your time and effort to hire a really good caterer.

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:: Sep.29.2008 :: Uncategorized :: No Comments »