Source: http://sidneydiamond.com/laws-govern-creditors/
Timestamp: 2018-11-17 01:18:34
Document Index: 692860124

Matched Legal Cases: ['§1692', '§1692', '§1692', '§1692', '§1692', '§1692', '§1692', '§1692', '§1692', '§1692', '§1692']

Laws Govern Creditors
Laws were created in the U.S. Bankruptcy Code specifically setting boundaries for Creditors to follow. You no longer need to feel that you deserve creditor abuse and harassment because you have fallen short of paying your debts. It is not OK to be called before 8am, it is not OK to be called after 9pm or to be embarrassed at work.
Check out the following sections of the U.S. Bankruptcy code to understand your rights as they pertain to Creditors. These sections describe the legal limits creditors must obey.
TITLE 15 > CHAPTER 41 > SUBCHAPTER V-DEBT COLLECTION PRACTICES
§1692. Communication in connection with debt collection
(6) The term “debt collector” means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause (F) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f (6) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. The term does not include-
§1692c. Communication in connection with debt collection
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-
If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except-
§1692d. Harassment or abuse
(3) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a (f) or 1681b (3) [1] of this title.
§1692h. Multiple debts
§1692i. Legal actions by debt collectors
Any debt collector who brings any legal action on a debt against any consumer shall-
§1692j. Furnishing certain deceptive forms
§1692k. Civil liability
In determining the amount of liability in any action under subsection (a) of this section, the court shall consider, among other relevant factors-
Compliance with any requirements imposed under this subchapter shall be enforced under-
(1) section 8 of the Federal Deposit Insurance Act [12 U.S.C. 1818], in the case of-
(3) the Federal Credit Union Act [12 U.S.C. 1751 et seq.], by the Administrator of the National Credit Union Administration with respect to any Federal credit union;
§1692m. Reports to Congress by the Commission; views of other Federal agencies
§1692n. Relation to State laws
§1692o. Exemption for State regulation
§1692p. Exception for certain bad check enforcement programs operated by private entities
Paragraph (1) shall apply if-
(C) in the course of performing duties delegated to it by a State or district attorney under the contract, the private entity referred to in subparagraph (B)-
A check is described in this subsection if the check involves, or is subsequently found to involve-
The term “check” has the same meaning as in section 5002 (6) of title 12.
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