5 Things A Debt Collector Cannot Do To You If You Owe Them Money


Debt CollectorDebt collectors have garnered a reputation of being pushy people. People who are owed money by their country’s government are afraid of their collectors due to the belief that the people in debt may have to give up health or other assets in place of money that is owed, but that is not the case.


If you are somebody that is not able to hand over owed money, do not worry heavily, as there are things that collectors are not allowed to do in light of a late or missed payment. People can be assured that they can be left to focus on how they can contribute to global debt recovery.


For one, debt collectors do not work for the law, and they cannot say or pretend to be police officers, bodies of jurisdiction, or other law enforcers, or claim to be working with them. It is actually illegal in many countries to threaten a debt payer with arrest warrants and criminal charges if a debt is not repaid. Rest easy and know that you will not wake up one morning with an officer at your house with deputies in tow.


Debt collectors are also not allowed to issue arrest warrants on you or claim that you have committed a crime. Any claims of crime for not repaying a debt will be considered false reports, and not being able to pay off a debt does is not enough for you to meet jail time.


However, you can receive a court order for you to appear in front of a judge pertaining to a debt that you owe, and can have an arrest warrant issued on you if you do not show up for it. You can also serve time in jail if you do not pay a court fine, or refuse to pay taxes and child support for some countries.


Collectors are supposed to keep your information private. They are not allowed to share the names of people that you owe money to, or talk to anybody about your debt situation aside from you, your spouse, or legal representative.


Debt collectors can however track you down using third parties, as long as they only ask for your contact information to try to talk with you. They are usually only allowed to ask for this information only once. It is also illegal for debt collectors to send a postcard about debt to his or her payer.


Collectors are also not allowed to collect money that you do not owe them. Whether you owe them or not, some collectors will try to take advantage of a mistake that may occur when your debt is transferred to a different collection agency. Collectors might also contact people with a similar name to a person they know owes money.


And of course, debt collectors cannot pester you, and it does nothing to help global debt recovery.


This is a main concern when a person fails to pay off a debt on time. A collector cannot threaten you with bodily harm. Shouting, swearing, or cussing at you is also against the law. If you tell the collector in a letter or email that he or she cannot call you at work, they won’t be allowed to. Unless you give them written permission to, they also cannot call you between the hours of 9 PM and 8 AM.


With a legal representative, you can make it so that the debt collector can stop calling you entirely so that you can be left to work out your financial situation with debt recovery agents.