Fair Debt Collection
It’s a sad sign of the times, but more Americans are in debt trouble these days.
If you’re being contacted by debt collectors you may feel like you’re under seige. A debt collector is any person, other than the original creditor, who regularly collects debts owed to others. This includes lawyers who collect debts on a regular basis. You have the right to be treated fairly by debt collectors.
The Federal Fair Debt Collection Practices Act (FDCPA) spells out what debt collectors can’t do when pursuing payment. Utah also has its own Consumer Credit Code.
The Federal Trade Commission’s Credit & Loans: In Debt? page provides a number of helpful fact sheets for those struggling with debt-related issues. The Utah Attorney General’s Office Protecting Utah from Fraud page provides links to other resources.
If you feel a debt collector has violated the law, you can report them to the Utah Attorney General’s Office and the Federal Trade Commission. You also have the right to sue them in a state or federal court within one year from the date the law was violated.