What is a debt collector (credit card) entitled to go after?

Question

Can a collector go after finances without permission? If my child is under age are her assets in jeopardy? If I own my car, can it be taken? How does collection proceed? Am I contacted before something is collected?

Answer 1

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Answer 2

Your Rights When Dealing with a Collection Agency

If your credit problems have progressed to the point where your creditors have turned your case over to collection agencies, it is important to know your legal rights.

Collection agencies are not allowed to:

1. Call your office;

2. Call your home before 8 a.m. or after 9 p.m.;

3. Address you in an abusive manner;

4. Call family or friends in an attempt to collect your debt;

5. Harass you;

6. Make false or misleading statements; or

7. Add unauthorized charges.

If any of the above is happening to you, tell the collection agency to stop harassing you. If it continues, ask for its name and address and report it to the Better Business Bureau, the Federal Trade Commission, or your state's attorney general's office. These telephone numbers can be found in your telephone book or by calling directory assistance.

Please note, however, that the FDCPA applies only to bill collectors who work for collection agencies. While many states have laws prohibiting all debt collectors (including those working for the collection departments of creditors) from harassing, abusing, or threatening you, these laws don't give you the right to demand that the collector stop contacting you. There is one exception: Only residents of New York City have a local consumer protection law that allows them to write to any bill collector and say "Stop!"

Answer 3

http://www.ftc.gov/bcp/edu/pubs/consumer...

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