Comments on: All About the Fair Debt Collection Practices Act (FDCPA)

By: Kris

Kris — Mon, 21 Sep 2009 14:03:45 +0000

How long can creditors try and collect debts in the State of Georgia? I was told the statute of Limitations was 4 or 6 years from the date of the last payment to the account

By: roxanne obrien

roxanne obrien — Sat, 18 Jul 2009 14:53:36 +0000

I am actually a debt collector myself and I thought I would also share some useful information about debt collecting practices and how to avoid harrassment. More importantly, I’d thought I’d clarify a critical error mentioned on this page, that may save you some time as the consumer. My intentions are clearly educational and I recommend anyone who has questions or concerns about their rights to go to fdcpa.gov for the actual laws written. I want to correct a mentioned item on this page is the notes “that a debt collector can only speak to you about the debt”. This is not true. A debt collector cannot speak to third parties about your debt or that even the purpose of the call is about a debt. This includes employers,neighbors etc. But a debt collector can speak to a debtor’s spouse, legal guardian,attorney or any other co-signers included with the debt,about the debt.

By: Linda

Linda — Fri, 17 Oct 2008 21:30:12 +0000

I have possible fraud activity on my credit reports. I have sent letters to most of the creditors who inquired against my name. However, they have not removed them or I have not heard from them. I have also sent “goodwill” letters to three collection companies that I have paid off several years ago. They just send responses that the info is correct. I was not disputing that, I was just asking them to either delete it or reflect a paid in full status. I live in GA and the statute of limitations is 6 years for open end contracts. I have several that have expired and I have also sent them letters to have them taken off my reports, again no response. What would be my next step?

By: Nancy Battersby

Nancy Battersby — Fri, 28 Mar 2008 17:32:09 +0000

I have a problem that I cannot find an answer to. My daughter in-law, opened seven or more credit cards in my name two years ago, I did not press charges because of my son and grandchildren. She promised to make payments on the cards and did, except for one card “Bank of America”, all the companies allowed her to accept responsibilities for the debt and she paid them off, but Bank of America refused to let her do this, they insisted I had given her information that allowed her to open the account and therefore I was responsible,she did make some payments but of course this was the one she was least concerned with,she missed payments and eventually it was turned over to a collection agency. I have many problems with this, the credit card company offered her a settlement, if I had known this and the amount they would settle for I could have gotten a small loan and paid them myself, but she didn’t make the payments and it was turned over to a collection agency. Every time they contacted me about the accout I gave them her name and number and I would also contact her and she would tell me she called them and it was a misunderstanding. Regardless of how I got here I am now in a ba place. I had great credit all my life, now it is horrible. I have retired (two years ago) after working as a teacher for 23 years, I had two strokes and had to go out on disability before I could collect full pension. When I retired I sold my home and paid all my credit card debt and other bills off, I had no debt at all and moved to Virginia where I could live more reasonably on my pension. I cannot afford to pay off this debt, I cannot get a loan because of my credit, and now this is going to court and at the least they will tax me for the amount, which will put me in the hole even further. I don’t know what to do. I’m at the end of my rope. Please give me some suggestions.

By: ray garcia

ray garcia — Wed, 19 Mar 2008 16:12:09 +0000

I have the same problem with a collection agency, I have written to them for validation, but instead they send me forms to fill, no way.
also they never wrote to me about a debt which I don’t owe, what they did was report me to the (3) credit agencys. Thats in violation of my right. it seems no one is putting a leash on these sleazy company’s.

By: Patrick

Patrick — Tue, 09 Oct 2007 16:48:19 +0000

I’ve gone through this document as well, and I think it is interesting. I had to go through it because a collection agancy repeatedly called our house even after we told them the person they were looking for no longer lived there. They kept hounding us, asking for the former residents personal information, forwarding address, etc. Finally, after looking up some info in the FDCPA, I told them they were breaking the law and I asked them permission to record the phone conversation. We never heard from them again.

Thankfully, I have never had to deal with a credit collection agency for any personal reasons.

By: Xias

Xias — Tue, 09 Oct 2007 15:22:26 +0000

Oops, I meant Chris has a valid point :X

By: Xias

Xias — Tue, 09 Oct 2007 15:20:09 +0000

Nicole makes a very valid point, it seems a lot of the “rules” are just too easy to bend. I’ve never had a creditor call me mostly because I’ve never had any consumer debt, but I have had friends who complain that they’re just plain to aggressive.

By: Nicole

Nicole — Tue, 09 Oct 2007 14:38:21 +0000

Great Information! Keep it coming!

By: Chris

Chris — Tue, 09 Oct 2007 12:55:00 +0000

The question is whether any of them follow those rules. From the stories I hear, they really don’t. Heck, I get calls at work from a collection agency who I repeatedly inform that they are not permitted to call the employee’s place of business. They just lie and say they’ve never called before. They know most people aren’t going to stand up for their rights so they are free to do whatever they want. It just seems like most of those rules aren’t enforceable without a lot of detective work, record keeping, and filing suit.