How can I protect myself from illegal collection practices?

In Delaware, one of the best ways to protect yourself from illegal collection practices is by understanding the laws and regulations that govern debt collection. The Delaware Collection Agency Law protects consumers from unfair collection practices, such as abusive, harassing, or deceptive behavior. Additionally, the Fair Debt Collection Practices Act, enacted by the federal government, sets out clear regulations for debt collectors and prohibits them from engaging in certain activities, such as calling you before 8 a.m. or after 9 p.m., using obscene language, and engaging in other harassing tactics. When a debt collector contacts you, you should obtain as much information as you can about the collection agency, including the company name, physical address, telephone number, and state license number. You should also request a written validation notice, which must include certain information about your debt, such as the amount due, the name of the original creditor, and the name of the person to whom the payment should be made. It is also important to document all of your interactions with debt collectors, including phone calls, letters, and emails. It is also wise to send all letters to debt collectors via certified mail with a return receipt requested, or by using a service like FedEx or UPS. If you have been the victim of illegal collections practices, you should contact an attorney with expertise in consumer debt collection laws and discuss your legal options. You should also contact the Delaware Department of Justice and/or the Better Business Bureau to file a complaint.

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How can I protect myself from illegal collection practices?

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