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SOURCE ACA International
SACRAMENTO, Calif., Nov. 4, 2013 /PRNewswire-USNewswire/ -- In response to recent news reports about debt collection scams, the California Association of Collectors offers the following tips for consumers to identify legitimate collection activities:
"Unscrupulous scams hurt California consumers and unnecessarily impedes legitimate debt collection efforts," said California Association of Collectors President Matt Logan. "The recovery of consumer debt is vitally important to our local, state and national economies. Those who purposely violate the law to exploit California consumers should be held fully accountable for their actions."
In addition to federal and state regulatory oversight of the debt collection industry and state law, the federal Fair Debt Collection Practices Act (FDCPA) outlines several important items that consumers can use to discern a legitimate attempt to recover a debt. Generally:
A debt collector may not contact a consumer at times known to be inconvenient to the consumer - assumed to be contact prior to 8 a.m. and after 9 p.m. in your time zone. Further, a debt collector may not contact a consumer at his/her place of employment if they know that such contact is prohibited by the employer or consumer.
California consumers should also take great care when giving out personal information including a credit card, bank account or Social Security number until certain of the authenticity of the other party. Consumers should monitor his/her credit report, as well as accounts and immediately report any suspicious or unauthorized purchases to the bank or credit card provider. If a consumer believes his/her identity has been stolen, [s]he should contact the local police department and visit www.ftc.gov/idtheft for information on what to do.
"Debt collectors are not an enemy of consumers," Logan said. "We are advocates for protecting consumer rights while balancing the ability to recover rightfully owed obligations that maintain America's credit-based economy." For more information about working with a debt collector visit www.askdoctordebt.org.
The California Association of Collectors is a State Unit of ACA International (www.acainternational.org), the comprehensive, knowledge-based resource for the credit and collection industry. Founded in 1939, ACA brings together nearly 5,000 members in the United States and abroad, and their more than 300,000 employees, including third-party collection agencies, asset buyers, attorneys, creditors and vendor affiliates.
Contact: Mark Schiffman (952) 259-2124 firstname.lastname@example.org
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