Legal Question in Credit and Debt Law in Alabama
Debt Collectors communications
When a debt collector makes contact by telephone , what identification are they required to give when you answer thr phone. And if you have an answering service, such as privacy director what information are they required to give?
1 Answer from Attorneys
Re: Debt Collectors communications
Section 806 of the Fair Debt Collections Practices Act (FDCPA) prohibits a debt collector from contacting a debtor without making a "reasonable" identification of itself. As for the privacy director, that is an interesting question. The law does not cover that contingency. Presumably, the law merely requires the debt collector to identify himself. Whether that happens on the privacy director or once you pick up may not matter under the law. But they are required to identify themselves at SOME point. There are many more provisions of the FDCPA which you may or may not be aware of. I have several FDCPA cases currently pending. Feel free to give me a call if you'd like to discuss this in more detail or get some more information-I'm in your area, judging from your zip code.
-Robert L. Kreitlein
(205) 915-9991
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