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Under guidance and regulations put in place by the government to help protect consumers, debt collection companies assist creditors such as banks, medical and health care facilities, telecommunications companies and student loan lenders with collecting debt. Debt collection companies can vary on the type of debt they collect, how they collect it along with fees they charge for their services. If a business is considering using a debt collection company to pursue payments owed to them, they should compare the different types of companies to see which one best suits their needs. What are the regulations for debt collectors? It is important for debt collection companies to avoid legal action by staying compliant with ever-changing industry regulations. Pet games for mac. These regulations protect consumers by creating business operation guidelines, defining the rights of consumers involved with debt collectors and outlining penalties. Four of the major regulations debt collectors should be in compliance with are: • HIPPA/HITECH: For debt collection companies dealing with medical bill collection, the Health Information Technology for Economic and Clinical Health Act (HITECH) makes sure companies are compliant with the Health Insurance Portability and Accountability Act (HIPPA).
• FDCPA: The Fair Debt Collection Practices Act (FDCPA) limits third party debt collector behavior by prohibiting certain conduct. Examples include regulating hours for phone contact, threatening arrest of legal action and failing to cease communication upon request. • FCRA: The Fair Credit Reporting Act (FCRA) is a law that protects consumer's personal financial information and the misuse of credit information. Some common violations of this law by debt collectors have been furnishing and reporting old information and reporting inaccurate information.
• TCPA: The Telephone Consumer Protection Act (TCPA) restricts phone solicitors and regulates the use of automated equipment. This law applies to debt collectors as well as telemarketers. A common issue with the TCPA and debt collection is the act of calling an individual's cell phone. Debt collectors are required to get written or oral consent to call a personal cell phone. What methods do debt collectors use? Debt collection companies use different ways to reach out to consumers when attempting to collect payments. Along with various calling strategies, companies have many options that allow them to get in touch with consumers.