Dealing with Debt

questions & answers

Question: Is a dept. collection company allowed to garnish my disability income

Answer: According to a publication by the Office of the Arizona Attorney General:

The Fair Debt Collection Practices Act includes rules that debt collectors:
1.May not contact you before 8:00 AM or after 9:00 PM.
2.Must restrict all communications to your attorney if you are represented by one.
3.May not contact you at work if the collection agent has been notified that your employer prohibits the receipt of such communications.
4.May not contact third party individuals, such as friends and family, more than a single time, and the contact is limited to requests for your contact information.
5.Must send a written “validation notice” telling you the amount you owe within five days after they first contact you. This notice must include the name of the creditor to whom you owe the money, and how to proceed if you don’t believe that you owe the money.
6.May not contact you if you have informed the collecting agent that the debt is not yours.
7.May not make threats of any kind; including arrest, garnishment of wages, and property seizure.
8.May not make false statements in an attempt to collect a debt.

To report a company for violation of the Fair Debt Collection Act, visit: https://www.azag.gov/complaints/consumer

For more information about debt collection, visit: https://www.azag.gov/consumer/debt-collections
Or visit: http://azlawhelp.org/articles_info.cfm?mc=4&sc=29&articleid=59