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收債法律建議

公正債務催收法案 (FDCPA) 通過確立法律界線來規範收債公司的運作,以此來保護人們的權益。收債公司必須遵守以下的指導方針來確保合法收債。 

什麼是收債公司必須要做的:

  • 在收債前須先和欠債人溝通。收債人必須在收債前通過許可的方式(比方說寫信) 聯繫你。
  • 展現重要的信息。 收債人必須在收債前表明自己的身份,並且提供原債權人的信息以及欠債金額。

什麼是欠債公司不能做的:

  • 騷擾你或你身邊的人。收債人不能通過威脅你的人身安全來騷擾你,一天打無數次騷擾電話,或者使用下流的語言和你溝通。 收債人同樣不能騷擾你的雇主,家人,以及鄰居等。
  • 收取過多的費用。 收債人不能向你收取例如利息等額外費用,任何額外費用都是法律不允許的。
  • 提供一份假的身份信息。收債人必須表明他們自己的身份,並且無論如何不能提供一份假的身份來欺騙你,或者隱瞞原債權人的身份信息以及欠債金額。
  • 用錯誤的信息來誤導你。法律嚴格禁止收債人不能發給你錯誤的文件或者試圖用任何方法欺騙你。
  • 收債人不能詢問你的雇主,家人,以及鄰居任何有關你但是無關緊要的信息。收債公司只能詢問直接聯繫人關於你的信息。

如果你或者你身邊的人有收到過追債公司不合法待遇的經歷,請聯繫相關的律師。 如果您有任何問題關於這篇發表文章,請聯係我們的免費電話 (888) 827-8880 或發郵件到 [email protected].

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Starting a new business can be a bit scary. Aside from worries of failure, there’s also the hassle of making sure all legal paperwork are properly filed. I reached out to Mr. Wang (Tommy) because of his excellent reviews and reputation and I am so glad I did. He was thorough and meticulous in answering all of my concerns and took time to find out special laws and policies regarding the kind of business I am starting. I could focus on the daily practical side of starting my new office without worry because I felt Tommy was reliable and took my case seriously. My business is opened and it’s all been a smooth start because of Tommy’s help. I have plans to start another business venture in the next few years and I already know I’ll be coming back to Wang IP Law.

The Shindig W.

I came to Tommy for help reviewing a licensing agreement I had secured with a well-known manufacturer. Tommy made sure I understood all the details in the contract and he negotiated with the company to improve my side of the deal. I mentioned to Tommy at my first consultation that we were looking to expand throughout the US and were investing a lot of money to make a big entrance into the market. I did not think I would have my store open so soon but Tommy also has connections with the local area and realtors to help me secure the location for my first store in the Los Angeles area. Tommy works a lot with the local businesses and he understands how to transition from the Asian market to US market. Within 8 months my store was open for business and fully operating. I must recommend Tommy to any business owners looking for help with contracts and improving their side of the deal. Tommy has the knowledge and experience to make sure there is a smooth process to open for business here, and make sure that your company is set up for success.

LI H.

I think Tommy and his team by far considered the best people to work with in my 16 business years. Beside quick responses to all my inquiries, they also done things right and providing very professional solutions. I’m highly recommending Tommy and his firm to all business owners.

Calvin C.

I have been working on my Utility Patent for almost 4 years. I have hired and fired two very reputable IP firms because with all their expertise and reputation for being some of the top firms in IP Law, I felt a lack of connection and care in my product, time and financial investment. Then I found Tommy and his team. Tommy does not waste time. He and his team are professional and extremely thorough. After 4 years, I finally found a legal team that I felt spent the time to really understand the components of my utility patent. Tommy also very mindful of cost and how and where my money would be better spent. I really feel I am in great hands with Tommy and his team. They have been patient with my revisions. And most importantly, they made me feel that they fully understood the importance this patent is to me. It has been a great and comforting pleasure working with Tommy.

G.L.

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