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Dealing with Debt Collectors consumer credit counseling services
The Fair Debt Collection Practices Act is the federal law that dictates how and
when a debt collector may contact you. consumer credit counseling services
A debt collector may not call you before 8 a.m., after 9 p.m., or at work if
the collector knows that your employer doesn't approve of the calls. consumer credit counseling services
Collectors may not harass you, make false statements, or use unfair
practices when they try to collect a debt. consumer credit counseling services
Debt collectors must honor a written request from you to stop further
contact. consumer credit counseling services
Both types of bankruptcy may get rid of unsecured debts and stop foreclosures,
consumer credit counseling services repossessions, garnishments, utility
shut-offs, and debt collection activities. consumer credit counseling services
Both also provide exemptions that allow you to keep certain assets, consumer credit counseling services
although exemption amounts vary. consumer credit counseling services
Personal bankruptcy usually does not erase child support, alimony, fines, taxes,
and some student loan obligations. consumer credit counseling services
Also, unless you have an acceptable plan to catch up on your debt under Chapter
13, bankruptcy usually does not allow you to keep property when your creditor
has an unpaid mortgage or lien on it.
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