Debt collectors used to hound individuals until they
received payment. Today, there are certain guidelines set in place to prevent
consumers from being harassed, deceived and abused. Shannon Geier from Geier
Law LLC recently spoke at The Scottish Home and was able to give advice on debt
collections and consumer rights. Here’s what we learned.
Consumers have legal rights when faced with unfair debt
collection practices. To a certain degree, they are even protected. The Fair
Debt Collection Practices Act (FDCPA) prohibits debt collectors from being
abusive, unfair, or using deceptive practices when attempting to collect debt.
How do you know if a debt collector is violating consumer rights? Some general
provisions that the FDCPA prohibits include harassing, oppressing, abusing,
deceiving or misleading representation, and unfair practices. If you are being
harassed by a debt collector, write down important details including the name
and number of who called you and what was discussed on the phone.
Unfair debt collection including nursing home debt
collection is subject to the Fair Debt Collection Practices Act. For more
information, visit the Federal Trade Commission’s website at this link.
The Wednesday Brunch Series takes place the first Wednesday
of every month at 9 am in The Caledonian House. On October 5th, we
will be welcoming Bright Star Cheri as she presents “Learning to Speak
Dementia”. The following month (November 2nd) Eleanore Webber will
be presenting "Retired or Thinking of Retirement (age 50+), Understand
Medicare and Long-Term Care Funding – Immediate and Future!"
RSVP your spot today by giving us a call at 708-447-5092.
If you would like to learn more about the Wednesday Brunch
Series taking place at The Caledonian House every Wednesday from 9 to 11 am,
please follow The
Scottish Home on Facebook!
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