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18 Jun 2022 - 02:34 pm

What else can't debt collectors do? In general, debt collectors may not harass consumers, their spouse, or any member of their immediate family. In addition, a debt collector may not misrepresent information in an attempt to collect the debt -- for example, the debt collector can’t lie to you about the amount of the debt, or say they will take legal action that they can’t actually take. Finally, if a debt collector knows that you are represented by an attorney in connection with the debt, the debt collector cannot contact you directly. Can a debt collector contact my employer? A debt collector may only communicate with your employer to verify your employment or earnings.

The landlord has to first tell you that you haven't paid rent (that you are "in default") and give you a chance to pay. After that, the landlord can sue you. The landlord must sue within 6 years of the date when you last paid rent. Usually the lawsuit happens in small claims court. All lawsuits for under $10,000 must be filed in small claims. So what does all this have to do with debt collection? Unpaid rent is a debt. The landlord might hire a debt collector to get you to pay the money they say you owe, for example, by calling you or sending you letters. State and federal laws (“consumer protection laws”) prevent the debt collector from doing certain things, like harassing you or calling you at certain hours of the day. The information on this page is about your rights in relation to debt collectors, whether those debt collectors are trying to get you to pay unpaid rent, or another debt (like credit card or medical debt). Can I be sued if I don’t pay a debt? Yes. To sue you for the debt, first the creditor (a person or company to whom money is owed) must notify (tell you in writing) you that you are in default (you didn’t pay the debt), and give you the chance to repay the debt.

The Consumer Financial Protection Bureau has sample letters you can send to dispute the debt. Can a creditor repossess my personal property if I default on my payments? Yes, but they might have to go through some legal steps first. If the property was worth less than $25,000 at the time of sale, the creditor can’t take it back without a court order. You voluntarily surrender the property. The law also prohibits a repossession that "breaches the peace" or creates a disturbance, especially one involving confrontation or unnecessary noise. If you are served with papers, you may want to seek the advice of an attorney. A list of attorneys is available on this website. When can a creditor garnish my wages? “Garnishing wages” means that a certain part of your pay is taken out of your paycheck, in order to pay back the debt. To garnish your wages, creditors must go through the courts. The opportunity to garnish. The amounts that may be garnished are quite limited. For example, a creditor cannot deprive you of the ability to pay for basic necessities. Wisconsin law does not allow garnishment that would drop you below the national poverty level for your family size.

Source:

can a debt collector sue me

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can a debt collector sue me

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