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Unfair debt collection practices

An example of unfair debt collection practices is when a credit collection agency falsely misrepresent the debt owed. Credit Protection Association LP is an example of a debt collection agency that would send a letter out to you blindly demanding that you pay off the debt without replying to your letter or acknowledging that the debt has been paid off.

Once Credit Protection Association LP starts sending you a letter, they often ask for you to pay the debt to them via paycpa. com. They would also state that you could seek to verify the debt or dispute the debt within 30 according to the Fair Debt Collection Practices Act.

For some debt collection agencies such as Credit Protection Association LP, disputing the debt is useless

Although by law (the Fair Debt Collection Practices Act, you can dispute the debt you owe, when Credit Protection Association L P is dealing with your debt, they will ignore the disputes. When you do dispute, Credit Protection Association LP will ignore it and still send you letters threatening that your name and amount you owe will be reported to the national credit bureaus as due and unpaid. The Credit Protection Association LP will not respond to your letters.

J W Preston at the Credit Protection Association LP

The letters from the Credit Protection Association LP often comes from J W Preston who would not reply to your letter or acknowledge that a reply letter has been sent to him. In the letter by J W Preston of Credit Protection Association L P, he urged you to dispute the debt or pay it. But, when you do any of the two, the results are as follows:

If you dispute the debt – JW Preston at the Credit Protection Association LP will ignore your letter and pretend that you did not dispute.

If you pay off the debt – JW Preston at the Credit Protection Association LP will continue to send you the debt collection letter threatening that your name and amount owed (which is paid off but they refused to acknowledge that) will be reported to the credit bureaus.

So, what do you do when the debt collection agency ignored your communications and reports you to credit bureaus anyway? What do you do when debt collection agencies engage in unfair debt collection practices? What do you do when the debt is paid but the debt collection agency falsely report your details to the credit bureaus in unfair debt collection practices? If this happens to you then you are not alone.

Dealing with collection agencies can be daunting if you don’t know what your rights. For some people, dealing with collection agencies is an unavoidable fact of life. For others, dealing with collection agencies is left to someone else. If you are faced with dealing with collection agencies, be sure to understand your rights because you have many. Don’t be dealing with collection agencies blindly. If you are dealing with collection agencies without showing them that you know your rights, they probably will get away with things they would not otherwise have. So, take precaution when dealing with collection agencies.

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Cease Communication Notice to the Collection Agencies

Under the Fair Debt Collection Practices Act, a consumer or debtor can advise a debt collector in writing that he or she will not be paying the debt and advise the debt collector to stop all future communication regarding the debt. This is known as the cease communication notice.

When the collection agency receives the Cease Communication Notice, the only subsequent communication the collection agency may send to the debtor is for the purpose of:

• Advising the debtor that the collection agency is stopping any future collection attempts
• Advising the debtor that the collection agency may pursue other means of collecting debt.
• Advising the debtor of the collection agency’s intention to pursue a specific remedy to collect the debt.

Credit Protection Association L P unfair debt collection practices