If you find yourself continually being called and harassed, and you are a resident of the state of Michigan, you may find yourself needing to sue debt collectors in Michigan. You have rights under the Fair Debt Collection Practices Act, and if you are being harassed, you need to be aware of these rights.
Many times, consumers are oblivious to the fact that there are laws out there that are designed to shelter them from debt collectors who do not follow the laws, as well as unscrupulous creditors who prey on the naïve, ruining consumer's credit reports in the process. These types of things go on more often than people think, and you do not have to stand by and allow it to happen to you. By getting an attorney with expert knowledge about debt collection practices, and the vast experience necessary to use these laws that protect you from people that break the law, your good credit and reputation can be upheld.
When you find yourself immersed in debt, and receiving never-ending, threatening phone calls, your life can feel as if it is out of your control. You may feel like you have no options, and that your credit will be forever ruined. When you know the laws regarding fair debt collection practices, you will realize that you are in control of your financial situation.
Debts that are covered under the Fair Debt Collection Practices Act are debts that are personal, and household debts. This can be debts owed for medical expenses, purchasing a car, or for credit cards.
A person who is collecting money may only get in touch with you via mail, telephone, or in person. They cannot contact you at a place or time that is not reasonable. If the debt collector knows that cannot receive phone calls at work, they cannot call you there. If they do call your place of employment under these circumstances, this is harassment, and you may need to seek the help of a consumer attorney.
If you send a written letter to the collection agency, advising them to stop contacting you, by law they have to oblige. When they get the letter, they can only talk to you to insure you that they will no longer be in contact. They can also contact you if they have decided to take a certain action in regards to your alleged debt.
The only time a debt collector can tell third parties about your debt, is if they are attempting to discover where you live or work. If you have hired the services of an attorney, they can contact them as well. Most of the time, it is unacceptable for a debt collector to tell others anything about your account or the alleged debt.
When a debt collector contacts you, they must identify themselves as a debt collector. They also must provide you with a statement that says that they are collecting a debt. After their initial contact with you, they have to send you a notice about the amount of the debt owed, and provide information about the original creditor within five days.
If you send the debt collector a letter within 30 days of first contact, telling the collection agency that you dispute the debt, they can no longer attempt to collect the debt. However, if you are sent proof that you owe a debt, (this is called validation), like a bill or invoice, they can begin collection attempts again. In sum, if you feel that a debt collector has violated your rights, you may need to sue debt collectors in Michigan.