Can payday loans harass me at work?

Can payday loans harass me at work?

Can I sue a debt collector for harassment in Argentina?

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MEXICO CITY – Calls in the wee hours of the morning, even on Saturdays and Sundays, or shouts and insults over the phone, are two of the most frequent forms of intimidation by collection agencies towards debtors.

The truth is that debt collectors are only empowered to demand payment of the debt from the financial entity they represent, they cannot do anything else, says Ángel González Badillo, director and spokesman of the National Organization for the Defense of the Debtor, categorically. However, and despite the signing of agreements for ethical collection, most of the firms handle themselves in an aggressive, rude and threatening manner.

“The firm is a company that the creditor hired to recover the overdue portfolio in an extrajudicial manner, therefore it cannot do more than demand payment of the account, it cannot sue anyone, it cannot seize anyone, and it is very important to understand that no one can put a person in jail for debts, not even the creditor itself, despite the fact that it is one of the most recurrent threats.”

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I can go to jail for not paying a debt ecuador 2020

Having a debt does not mean that you lose your rights, and the law is very clear in this regard: although debtors have the obligation to pay their debts, they also have rights that must be respected by creditors (the company we owe) and by collection companies.

But what does harassment mean? When does a call become harassment? The law does not establish a specific number of calls, but for us, who defend debtors, more than one call a week becomes harassment and you have the right to claim (and to be compensated).

We come to the fourth right of the debtor and perhaps one of the most important. This is a more delicate issue and one that companies use a lot. What do they do? They send false letters (that appear to be judicial writings) and that say that they are going to seize you.

How to recognize then if it is a judicial letter or a collection letter?  Judicial writs can only be delivered by the judicial receivers, who must do it personally. If you receive this type of letter because it was left at your home address, it is a fake.

New law for debtors 2020 mexico

With this simple guide of answers totally attached to law and therefore, to reality, you will be able to stop “in dry” any debt collector who tries to intimidate you with absurd arguments, invented and/or misapplied laws and other threats created by minds without imagination (or fundamental knowledge of law).

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This guide can be applied both to respond to threats made to you by telephone, as well as to those sent by mail or left at your home by other means. You must remember that just because something is written on a letterhead, it is not a real judicial process.

Remember that:  Every judicial document has to be delivered by a representative of the competent authority and, in the case of debts, this would be an ACTUARY or an EXECUTOR fully identified as envoys of the corresponding court.

RI: Article 17 of the Political Constitution of the United Mexican States clearly states that no one can be imprisoned for debts of a purely civil nature such as those I have with banks, finance companies, furniture stores, department stores and/or private lenders. Thus, it is impossible for me to go to jail for my debts.

What to do if I am charged for something I don’t owe

Harassment by a debt collector can come in many forms. Some examples include repetitive phone calls intended to annoy or abuse, using obscene language, or making threats of violence.

The Fair Debt Collection Practices Act (FDCPA) states that debt collectors may not harass, harass, or abuse you or anyone else they contact.

It’s a good idea to keep a file of all letters or documents a debt collector sends you and copies of everything you send to a debt collector. Also, write down the dates and times of conversations, along with notes about what was discussed. These records can help you in the event you have a dispute with a debt collector, meet with an attorney, or go to court.

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The CFPB has prepared sample letters that you can use to respond to a debt collector who is trying to collect from you, along with tips on how to use them.  These sample letters may help you obtain information, establish ground rules about any other communications, or protect some of your rights.

Can payday loans harass me at work?
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