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How long before a repossession goes off my credit report?
My creditors are calling me at work and harassing me.
I may lose my job because of this. Are they allowed to
do this?
What types of debt collection practices does the law
prohibit?
How long before a repossession goes off my credit report?
Most debts, including repossessions, will generally
remain on your credit report for seven years. In certain
situations, however, a debt can remain on your credit
report for ten years or longer.
My creditors are calling me at work and harassing me.
I may lose my job because of this. Are they allowed to
do this?
Creditors have the right to call you at work once per
week for the purpose of collecting a debt. Hiring an
attorney to represent you on the matter, however, can
help. It is illegal for a creditor to contact any debtor
more than one time per week at the debtor’s place
of employment. To call more than one time per week is
considered “harassment” by the creditor.
After notice in writing to the creditor that you have
hired an attorney to represent you, all further communication
by the creditor must then be addressed directly to the
attorney and no longer to you.
A debt collector may not harass, oppress, or abuse any
person. For example, a debt collector may not:
A. Use threats of violence to harm you, your property
or your reputation;
B. Use obscene or profane language;
C. Repeatedly use the telephone to annoy you;
D. Make you accept collect calls or pay for telegrams; or
E. Publish a "shame list" or other roster of individuals who allegedly
refuse to pay their debts (though the debt collector can still report you
to a credit bureau).
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