If you are going through financial difficulties and have fallen behind on payments to creditors, you likely experience the unrelenting telephone calls of creditors seeking payment. A previous client once told me that she received over 40 telephone calls from debt collectors in a single day! It is to be expected that a creditor wants to contact you to discuss the missed or late payment, however, it is important to know that collectors are governed by the Fair Debt Collection Practices Act (FDCPA) which prohibits certain types of contact and conduct on the part of a collector. For instance, did you know…
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