How far can bill collectors legally go? - Spokane, North Idaho News & Weather KHQ.com

How far can bill collectors legally go?

Posted: Updated:
SPOKANE, Wash. - As budgets get tighter, the likelihood of falling behind on paying a bill grows, and then those annoying calls start coming asking for the money.

When it comes to bill collectors, you have rights. Everyone handles debt collection calls in different ways.

"I hate when they call. I always hang up," said one person.

"I don't think it's right that they call all the time," said another person.

When it comes to how debt collectors behave, they must behave the same, as they're ruled by the fair debt collection practices act.

"They can't harass you. There's no firm number of times they can call you. They can't call you before 8 in the morning and creditors also can't call you after 9 p.m.," said Leonard Gordon of the Federal Trade Commission.

You can tell them where not to call. Say, no calls at work for example.

"The first thing you should do with a debt collector is with five days of notifying you has to send you in writing a description of the debt, how much is owed and to whom it is owed. If you don't think the information the debt collector has sent you is accurate, you have 30 days to dispute it in writing," said Gordon.

Ignoring that notification, means you acknowledge and accept the debt.

If you don't have the money to pay, try to negotiate.

"Some debt collectors are collecting on behalf of the organization to which you owe money, so it depends on how flexible they want to be," Gordon said.

The best time to negotiate is with your debtor directly, before it goes to a collection agency.

If you think because you are on the "do not call" list you can't be phoned, think again.

"The 'do not call' list is for telemarketing calls. It does not exempt you from debt collection calls," said Gordon.

If you're thoroughly fed up by too many calls, as a last resort you can tell them, in writing, do not contact me anymore. You should know that message will go directly onto your credit report and could work against you should you seek credit in the future.

  • Most Popular StoriesMost Popular StoriesMore>>

  • Health advisory issued for Fernan Lake

    Health advisory issued for Fernan Lake

    Wednesday, July 18 2018 7:25 PM EDT2018-07-18 23:25:34 GMT
    Panhandle Health DistrictPanhandle Health District

    KOOTENAI COUNTY, Idaho - Panhandle Health District (PHD) and the Idaho Department of Environmental Quality (DEQ) have issued a health advisory for Fernan Lake. PHD is urging the public to use caution when recreating in or near the water. Water quality monitoring confirmed the presence of cyanobacteria, commonly known as blue-green algae. Blue-green algal blooms have the potential to produce dangerous toxins in areas of the lake. 

    >>

    KOOTENAI COUNTY, Idaho - Panhandle Health District (PHD) and the Idaho Department of Environmental Quality (DEQ) have issued a health advisory for Fernan Lake. PHD is urging the public to use caution when recreating in or near the water. Water quality monitoring confirmed the presence of cyanobacteria, commonly known as blue-green algae. Blue-green algal blooms have the potential to produce dangerous toxins in areas of the lake. 

    >>
  • Cooling hot spots and strengthening containment lines top priority on Upriver/Beacon fire today

    Cooling hot spots and strengthening containment lines top priority on Upriver/Beacon fire today

    Thursday, July 19 2018 1:23 PM EDT2018-07-19 17:23:40 GMT

    SPOKANE VALLEY, Wash. - Firefighters on the front lines of the Upriver Beacon fire are making progress on the 115-acre fire that started Tuesday evening.  Megan Hill, Public Information Officer for the fire, tells KHQ the fire is 20 percent contained as of Wednesday evening.

    >>

    SPOKANE VALLEY, Wash. - Firefighters on the front lines of the Upriver Beacon fire are making progress on the 115-acre fire that started Tuesday evening.  Megan Hill, Public Information Officer for the fire, tells KHQ the fire is 20 percent contained as of Wednesday evening.

    >>
  • Illinois man stabs himself after jury's guilty verdict

    Illinois man stabs himself after jury's guilty verdict

    Thursday, July 19 2018 1:21 AM EDT2018-07-19 05:21:16 GMT

    BLOOMINGTON, Ill. (AP) - Authorities say a central Illinois man stabbed himself in a courtroom shortly after a jury found him guilty in a sexual assault case. The Pantagraph reports 78-year-old Johnny Icard was sitting alone Wednesday at a defense table in Bloomington where he had represented himself at trial. When the judge said he was revoking Icard's bond, the Bloomington man said he had family affairs to attend to and wasn't expecting the verdict.   

    >>

    BLOOMINGTON, Ill. (AP) - Authorities say a central Illinois man stabbed himself in a courtroom shortly after a jury found him guilty in a sexual assault case. The Pantagraph reports 78-year-old Johnny Icard was sitting alone Wednesday at a defense table in Bloomington where he had represented himself at trial. When the judge said he was revoking Icard's bond, the Bloomington man said he had family affairs to attend to and wasn't expecting the verdict.   

    >>
HD DOPPLER 6i
/