Fair debt collection practices act section 809 b validating debts
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Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection (a) of this section unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Short Title This subchapter may be cited as the “Fair Debt Collection Practices Act.” § 802.Please make sure to read the FDCPA, as we get many referral requests for violations of the FDCPA that are actually being done by creditors and not 3rd party debt collectors. Except as provided in section 804, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than a consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.(c) CEASING COMMUNICATION. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 o'clock antimeridian and before 9 o'clock postmeridian, local time at the consumer's location;(2) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney's name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or(b) COMMUNICATION WITH THIRD PARTIES. Any fees we collect will be paid for by the debt collector and thus is free to you. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt --(1) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. Regarding the use of the term free on this website, free indicates that our law firm offers representation at no out of pocket expense to you and/or on a contingency basis.