Fair debt collection practices act section 809 b validating debts
The Fair Debt Collection Practices Act requires that debt collectors treat you fairly and prohibits certain methods of debt collection.
Of course, the law does not erase any legitimate debt you owe.
However, a debt collector may not contact you at inconvenient times or places, such as before a.m. A debt collector also may not contact you at work if the collector knows that your employer disapproves of such contacts.
You can stop a debt collector from contacting you by writing a certified letter to the collector telling them to stop. Once the collector receives your letter, they may not contact you again except to say there will be no further contact or to notify you that the debt collector or the creditor intends to take some specific action.
Texas law addresses actions taken by anyone trying to collect on a consumer debt.
A collector may contact you in person, by mail, telephone, telegram, or fax.
You may also want to file a complaint with American Collectors Association of Texas, an organization representing third-party collection agencies in Texas.
Congressional findings and declaration of purpose 803. (6) The term "debt collector" means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another.
Communication in connection with debt collection 806. (5) The term "debt" means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment.
However, a collector can renew collection activities if you are sent proof of the debt, such as a copy of a bill for the amount owed.
Harassment - Debt collectors may not harass, oppress, or abuse you or any third parties they contact.
(2) The term "communication" means the conveying of information regarding a debt directly or indirectly to any person through any medium.