Debt Collection statements frequency

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ktrboston

Joined: 22 Mar 2007
ktrboston's page
Posts: 1

31 Magic Points

Subject: Debt Collection statements frequency

Thu Mar 22, 2007 4:06 am

How often by law does a debt or creditor have to mail you a statement on what you owe?

scott

Joined: 28 Jun 2006
scott's page
Posts: 446

10878 Magic Points

Thu Mar 22, 2007 6:25 am

Hi ktrboston ,

There is no specific period in which a creditor has to send you a statement.Every creditor has their own set time in which they mail you the statement.

Scott

ParkAvenue
Moderator

Joined: 26 Mar 2007
ParkAvenue's page
Posts: 47
Location: Florida

3872 Magic Points

Subject: Possibly, Your State May Regulate Debt Collection Activities

Mon Mar 26, 2007 4:23 pm

Although there is no specific information on this particular subject
in the FDCPA, some States actually regulate debt collection
activities. This provides relief from harassment by debt collectors.
You should check your state for consumer debt collection laws,
if any.

For example: Under the Florida Consumer Collection Practices
Act, Florida Statute s. 559.72 (7) prohibits communication with
the debtor with such frequency that can reasonably be expected
to harass the debtor.

If the SOL for suing you had expired, on the alleged debt,
send a C&D Letter (in the same Letter dispute the alleged
debt, of course) to cease communication with you.

See, Florida Consumer Collection Practices Act.
This law regulates debt collection activities for ALL persons,
including, Original Creditors:

559.72 Prohibited practices generally. -- In collecting consumer
debts, no person shall: (7) Willfully communicate with the debtor
or any member of her or his family with such frequency
as can reasonably be expected to harass the debtor or her
or his family, or willfully engage in other conduct which can
reasonably be expected to abuse or harass the debtor
or any member of her or his family;

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