Q. What types of Debt Collection Agency practices are not allowed?

A. Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, debt collectors may not:

• Use threats of violence or harm

• Publish a list of consumers who refuse to pay their debts (except to a credit bureau)

• Use obscene or profane language

• Repeatedly use the telephone to annoy someone

• Call before 8 AM or after 9 PM

• Tell you that they are attorneys or government representatives, when in fact, they are not

• Falsely imply that you have committed a crime

• Misrepresent that they operate or work for a credit bureau

• Misrepresent the amount of your debt

• State that you will be arrested if you do not pay your debt

• Threaten to seize, garnish, attach, or sell your property or wages, unless the collection agency or creditor intends to do so, and it is a legal action

• Threaten that actions, such as a lawsuit, will be taken against you, when such action legally may not be taken, or when they do not intend to take such action

• Give false credit information about you to anyone, including a credit bureau

• Send you anything that looks like an official document from a court or government agency and is not an official document

• Use a false name in their attempts to collect your debt

• Collect an amount that is greater than your debt, unless your state law permits such a charge

Q. Can a creditor or debt collector make an automated call to my cell phone?

A. In general, consumers who have received prerecorded, automated or auto dialed calls to cell phones from debt collectors or creditors may demand that the entity making those calls cease and desist if the consumer has not given that entity expressed consent to call them on their cell phone. Crescent Credit Services can create the documents needed to prevent collectors from harassing you by cell phone.

Q. What rights do I have when a debt collector or creditor is trying to collect money from me?

A. Your rights are protected under the Fair Debt Collection Practices Act. Review these frequently asked questions for an overview of what a debt collection agency or creditor legally can, or cannot do, in their efforts to collect money from you. Please contact Crescent Credit Services for help if you think your rights have been violated.

Q. Can Crescent Credit Services stop a debt collector from contacting me?

A. Yes, we can stop a debt collector from contacting you by writing a cease and desist letter directing them to halt all contact and then enforcing that demand through legal recourse. Once the collector receives our letter, they may not contact you again, except to tell you there will be no further contact, or to notify you that the debt collector or the creditor intends to take some specific action.

Q. Can a debt collector contact anyone else about my debt?

A. Debt Collection Agencies may not tell anyone other than you that you owe money. A debt collector may not disclose to anyone other than you or your spouse in some cases, anything about the alleged debt. Crescent Credit Services can stop all contact to third parties regarding your debt.

Q. Can a debt collector contact me at work?

A. Initially, yes. However, once Crescent Credit Services informs them in writing that they are not permitted to call you at your place of employment, they may not call you back at work without your consent.

Q. Can Crescent Credit Services dispute a debt for me at any time?

A. Yes, Crescent Credit Services can dispute any aspect of the alleged debt, in writing and at any time. Also, if we dispute the debt and the collector reports to credit reporting agencies, they must list the debt as “disputed” on your credit reports.

Q. Is there specific information the debt collector must tell me about the debt?

A. Yes, the collector must send you a written notice telling you the amount of money you owe within five days after you are first contacted. This information must include the name of the creditor to whom you owe the money, and how to proceed if you believe you do not owe the money. If this information is not provided to you and the harassment continues, Crescent Credit Services will take action against the collector in your behalf.

Q. Can a debt collector continue to contact me if I believe I do not owe money?

A. collector may not contact you if, within 30 days after you receive the written notice, Crescent Credit Services writes the collection agency a cease and desist order stating you do not owe money. However, a collector can renew collection activities only if they can provide actual proof of the debt. If that alleged proof is provided, Crescent Credit Services will work to verify the legality of the proof of debt.

Q. If I believe a debt collector has violated the law, what can I do?

A. Contact Crescent Credit Services for assistance. You have rights and we know how to protect them. If you feel your rights have been violated, submit the information to us. We will review your case for no charge and consult with you about next possible steps towards resolution. If you are being harassed by debt collectors unfairly, the Fair Debt Collection Practices Act dictates what collectors can and cannot do in their efforts to collect debt. You can submit your information, or call our offices after reviewing the information on this site, to find out if a collector is in violation. Crescent Credit Services is committed to stopping the harassment you are experiencing.

See Terms and Conditions for more information

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