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Putting a muzzle on Tennessee credit card debt collectors

No matter how credit card debt was accumulated, whether from an unexpected repair, an unforeseen medical bill or something else, the repercussions are stressful. And, that is before Tennessee debt collectors enter the picture. Once they do, expect letters, calls and an assortment of other headaches. Some of these efforts are legal, others are not. Tennesseans with credit card debt would be well-versed knowing where lawful debt-collection practices end and illegal ones begin. Doing so can eliminate many problems before they escalate.

Debt collection is constrained by the Fair Debt Collection Practices Act. This law protects consumers from harassment by debt collectors hired by anyone who was not the original creditor.

Under the Act, debt collectors must identify themselves in every communication, whether it be a letter or a phone call. This includes declaring that they are a debt collector and that any information they acquire will be used to try and collect on that debt.

In addition to identifying themselves and their purpose, debt collectors must also provide important information about the debt. For one, they must provide the name and address of the original creditor. They must also tell a person that he or she can dispute the debt and, if a dispute takes place, that the debt collector must provide verifying information about the debt.

But, the Act provides far more protection than just those above. It also restricts when a debt collector can call a person, prohibits further communication if the debtor so requests and bans communicating with a debtor who files for bankruptcy, among many other protections.

Tennesseans interested in learning more about how to handle debt collectors may benefit from speaking with an experienced credit-card-debt attorney.

Source:, "How to Stop Debt Collector Harassment," accessed on Nov. 9, 2015

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Mark T. Young & Associates
2895 Northpoint Blvd.
Hixson, TN 37343

Toll Free: 888-376-0282
Phone: 423-933-1606
Fax: 423-877-0363
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