Ask the Lawyer: Debt collection agencies

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https://www.youtube.com/embed/DX0AxKgNnio IF YOU ARE LATE PAYING HER BILLS, DEBT COLLECTION AGENCIES CAN COME TO YOUR DOOR AND THAT CAN BE DAUNTING. THIS IS WHAT WE ARE TALKING ABOUT TODAY IN ASK A LAWYER WITH CARL PARISH. WHAT CAN THESE COLLECTION AGENCIES DO AND NOT DO? GENERALLY SPEAKING THEY BREAK THE RULES OF WHAT THEY CAN NOT DO, BUT FIRST OF ALL THEY CAN NOT MAKE THREATS TO INDIVIDUALS. WHEN THEY START MAKING CALLS OVER AND OVER AGAIN, think IT OR NOT THAT HAPPENS. THEY CAN NOT THREATEN VIOLENCE. STATING THINGS LIKE– WE KNOW WHERE YOU PARK YOUR CAR AT NIGHT. WE WILL GET IT AND SELL IT. THEY CAN NOT GO OUT INTENTIONALLY, SOME OF THEM DO THIS, WHERE THEY RUIN YOUR REPUTATION. THEY SOMEHOW FIND OUT YOU KNOW THESE PEOPLE. BECAUSE YOU OWN THE MONEY, THEY CALL AROUND SAYING THAT THEY ARE LOOKING FOR YOU. YOUR REPUTATION GETS SLAMMED HARD AS FAR AS THE FALSE STATEMENTS THEY MAKE. THEY SAY WE ARE GOING TO TURN YOU INTO THE CREDIT CARD BUREAU AND WE WILL HAVE YOU ARRESTED, WE WILL SEIZE YOUR PROPERTY. I HAVE NO IDEA HOW MANY CARS THEY HAVE THREATENED TO GET IN THE MIDDLE OF THE NIGHT.GARNISH YOUR WAGES. WHEN THEY SAY THAT TO PEOPLE, THE COLLECTION GOES WAY UP. THIS FALL UNDER HARASSMENT AND ABUSE? ABSOLUTELY. THEY HAVE GOT 2.5 PAGES IN THE STATUTE BOOK THAT SAYS YOU CAN NOT DO THESE THINGS, BUT THEY DO. THE PROBLEM IS THE INDIVIDUALS WHO SUFFER THROUGH THIS DO NOT HAVE THE WHEREWITHAL OR FINANCIAL ABILITY TO BE ABLE TO STAND UP AGAINST THEM. CAN THESE AGENCIES UNREASONABLY PUBLICIZE INFORMATION ABOUT YOU? DEFINITELY NOT. ONE OF THE WORST THAT WE HAVE TALKED ABOUT IS OFTEN TIMES SPOUSES DO NOT KNOW THAT YOU ARE I HAVE A CREDIT CARD. WHEN THEY FIND THE SPOUSE THEY CALL IN SAY– GUESS WHAT? YOUR HUSBAND OR WIFE HAS $2000 IN DEBT. As discovered on YouTube – Creative Commons License

Video Transcript:

WHAT CAN THESE COLLECTION AGENCIES DO AND NOT DO? GENERALLY SPEAKING THEY BREAK THE RULES OF WHAT THEY CAN NOT DO, BUT FIRST OF ALL THEY CAN NOT MAKE THREATS TO INDIVIDUALS. THEY CAN NOT GO OUT INTENTIONALLY, SOME OF THEM DO THIS, WHERE THEY RUIN YOUR REPUTATION. THEY HAVE GOT 2.5 PAGES IN THE STATUTE BOOK THAT SAYS YOU CAN NOT DO THESE THINGS, BUT THEY DO.

License: Creative Commons