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When Debt Collectors Call,[object Object],Consumer Affairs Branch,[object Object],Fairfax County Department of,[object Object],Cable and Consumer Services,[object Object],fairfaxcounty.gov/consumer,[object Object]
A debt collector is any person, other than the creditor, who collects debts owed to others. ,[object Object],May contact you if you fall behind in paying your bills or if an error is made on your account.,[object Object],fairfaxcounty.gov/consumer,[object Object],DEBT COLLECTORS,[object Object]
Household,[object Object],Family,[object Object],Personal debts,[object Object],automobile,[object Object],medical care,[object Object],charge accounts.,[object Object],fairfaxcounty.gov/consumer,[object Object],What Debts are Covered?,[object Object]
Hammer you with phone calls,[object Object],Threaten you with court ,[object Object],Use abusive and profane language,[object Object],In the business to make a profit,[object Object],fairfaxcounty.gov/consumer,[object Object],DEBT COLLECTORS,[object Object]
Regulates: ,[object Object],debt collection companies,[object Object],collection attorneys,[object Object],Does not regulate the creditor,[object Object],fairfaxcounty.gov/consumer,[object Object],Fair Debt Collection Practices Act,[object Object]
Must identify themselves to you on the phone.,[object Object],Must stop contacting you if you ask them to do so in writing. ,[object Object],fairfaxcounty.gov/consumer,[object Object],What Must Debt Collectors Do?,[object Object]
Contact you ,[object Object],In person,[object Object],By mail,[object Object],Telephone,[object Object],Telegram,[object Object],Fax,[object Object],Contact you between 8 a.m. - 9 p.m. ,[object Object],Contact you at work only if they know your employer approves. ,[object Object],fairfaxcounty.gov/consumer,[object Object],What Can Debt Collectors Do?,[object Object]
Contact other people to find out where you live, your phone number, and where you work. ,[object Object],Cannot call a third party more than once, unless in special circumstances.,[object Object],fairfaxcounty.gov/consumer,[object Object],What Can Debt Collectors Do?,[object Object]
Harass, oppress, or abuse you or a third party they contact.,[object Object],May not lie when collecting debts.,[object Object],May not falsely imply that you have committed a crime.,[object Object],fairfaxcounty.gov/consumer,[object Object],What Can’t Debt Collectors Do?,[object Object]
Tell anyone other than you or your attorney that you owe money.,[object Object],Indicate that papers being sent to you are not legal forms when they are. ,[object Object],fairfaxcounty.gov/consumer,[object Object],What Debt Collectors Can’t Do?,[object Object]
Within five days after they contact you, the collector must:,[object Object],Send you a written notice of the amount of 	money you owe.,[object Object],Identify the creditor to whom you owe 	money.,[object Object],Explain what you can do it you do not owe 	the money.,[object Object],fairfaxcounty.gov/consumer,[object Object],What Must Debt Collectors Do?,[object Object]
If you send a letter within thirty days of receiving the notice stating you do not owe money, the collector may not contact you.,[object Object],If the collector sends proof of the debt, such as a copy of the bill, they can renew collection activities.   ,[object Object],fairfaxcounty.gov/consumer,[object Object],What Must Debt Collectors Do?,[object Object]
SEND A LETTER,[object Object],Once the collector receives your letter, they may not contact you again except:,[object Object],To say there will be no further contact.,[object Object],Notify you that the debt collector or creditor intends to take other specific action.,[object Object],Sending a letter does not make the debt go away if you owe it. ,[object Object],If you owe the debt, you can be sued by the debt collector or the original creditor.,[object Object],fairfaxcounty.gov/consumer,[object Object],How to Deal with Debt Collectors,[object Object]
KEEP RECORDS,[object Object],File all collection letters and keep detailed notes of each call. ,[object Object],Make sure you get the person's name who is calling  each time.,[object Object],fairfaxcounty.gov/consumer,[object Object],How to Deal with Debt Collectors,[object Object]
You may sue a collector in a state or federal court within one year from the date the law was violated.,[object Object],If you win, you may recover money for the damages you suffered plus an additional amount up to $1,000.,[object Object],Court costs and attorney's fees can be recovered.,[object Object],fairfaxcounty.gov/consumer,[object Object],Violations of the FDCPA,[object Object]
Contact the Fairfax County Consumer Affairs Branch for more information:,[object Object],	12000 Government Center Parkway, Suite 433,[object Object],Fairfax, Virginia 22035,[object Object],703-222-8435 TTY 711,[object Object],www.fairfaxcounty.gov/consumer,[object Object],consumer@fairfaxcounty.gov,[object Object],fairfaxcounty.gov/consumer,[object Object],Contact Consumer Affairs,[object Object]

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When Debt Collectors Call

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