You have the right to make a written or oral request that telephone calls regarding you debt not be made to you at your place of employment. Any such oral request will be valid for only ten days unless you provide written confirmation of the request postmarked or delivered within seven days of such request.
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If you are a consumer who is trying to repair your credit, getting a copy of your credit report is an essential part of this process. Credit reports are just statements that are made by credit reporting agencies about the consumer, the information included in these reports can be credit standing, credit capacity, general reputation,
The state Rosenthal Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act require that, except under unusual circumstances, collectors may not contact you before 8 a.m. or after 9 p.m. They may not harass you by using threats of violence or arrest or by using obscene language. Collectors may not use
If a consumer notifies a debt collector or collection agency in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector or collection agency to cease further communication with the consumer, the debt collector or collection agency shall not communicate further with the consumer with respect to such