Providing bankruptcy and legal services for these areas:

• Lansing
• Okemos
• Haslett
• Williamston
• East Lansing
• Holt
• Waverly
• Jackson
• Owosso
• Corunna
• St. Johns
• Stockbridge
• Fowlerville
• Flint
• Saginaw
• and the Mid Michigan area.

Fair Debt Collection Practice Act

Have an annoying debt collector calling you? Tried of harassing phone calls? Afraid to answer your own phone or open your mail because of bill collectors? You do have rights, and you don't have to put up with it. As outlined in the Federal Fair Debt Collection Practices Act, certain types of conduct of debt collectors are prohibited some of these include:

• A debt collector may not communicate with a consumer in connection with debt at any usual time or place known to be inconvenient to consumer. Convenient time shall be assumed after 8:00 a.m. and before 9:00 p.m. at the consumer's location.
  
• No communication by debt collector at the consumer's place of employment.
  
• No communication with the consumer if they are represented by an attorney, unless the attorney fails to respond to the debt collector.
  
• No communication with a third party by the debt collector in connection with the collection of a debt.
  
• A debt collector must cease communications if the consumer notifies the debt collector in writing that the consumer refuses to pay or the wishes debt collector to cease further communication with the consumer.
  
• The debt collector may not engage in any conduct the natural consequent of which is to harass, oppress or abuse any person, this included the threat of violence or criminal means to person or property.
  
• A debt collector is prohibited from using obscene or profane language to collect a debt.
  
• A debt collector may not create for publication a list of consumers who allegedly refuse to pay debts.
  
• Or use the phone to engage any person in telephone calls repeatedly.

For more information see the fair debt collection practice act 15 U.S.C. 1601 et. seq.

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The Law Office of Gene F. Turnwald
2160 Hamilton Rd., Okemos, MI  48864
(517) 347-6700 | fax: (517) 347-6716