{"id":425,"date":"2021-04-27T07:48:01","date_gmt":"2021-04-27T07:48:01","guid":{"rendered":"https:\/\/glutenfreepleasure.com\/__proxy_domain\/www.debt-collector-singapore.com.sg\/?p=425"},"modified":"2021-04-27T07:48:05","modified_gmt":"2021-04-27T07:48:05","slug":"what-is-counted-as-illegal-debt-collection","status":"publish","type":"post","link":"https:\/\/glutenfreepleasure.com\/__proxy_domain\/www.debt-collector-singapore.com.sg\/articles\/what-is-counted-as-illegal-debt-collection.html","title":{"rendered":"What is Counted as Illegal Debt Collection?"},"content":{"rendered":"\n

What is Counted as Illegal Debt Collection? Debt collectors in\u00a0Singapore\u00a0are generally associated with being obnoxious, sometimes also scary while getting borrowers to pay. However, there are certain rules to which debt collectors need to adhere to while pursuing payment.<\/p>\n\n\n\n

The tactics used by debt collection agents must comply with the Fair Debt Collection Practices Act. The Fair Debt Collection Practices Act (FDCPA)<\/a> was initiated for curbing abusive behaviors, but many debt collectors flout laws.<\/p>\n\n\n\n

Here are a few tactics that are illegal to use by debt collectors. Knowing what is counted as illegal debt collection helps you in fighting for your rights while being upfront.<\/p>\n\n\n\n

1. Pretending To Work for any Government Agency<\/strong><\/h4>\n\n\n\n
\"\"<\/figure><\/div>\n\n\n\n

According to the laws set by FDPCA debt collectors are prohibited to pretend to work for any government agency like law enforcement. Also, they can\u2019t claim to work for a consumer reporting agency.<\/p>\n\n\n\n

In 2014 the owner along with six employees of Williams, Scott & Associates got arrested for an accusation of debtors as fraud. They stated that they\u2019ll face criminal charges for not paying debts on time. <\/p>\n\n\n\n

Also, the debt collectors<\/a> misrepresented them as working contractual for state and federal government agencies like the Department of Justice.<\/p>\n\n\n\n

2. Debt collectors can\u2019t visit your workplace<\/strong><\/h4>\n\n\n\n
\"What<\/figure><\/div>\n\n\n\n

Arriving at your workplace for collecting payment comes under the practices of illegal debt collection. The law prohibits publicizing debts and also showing up at the job for collection of debt counts.<\/p>\n\n\n\n

However, they can call at work, though they can\u2019t reveal to the co-workers that they\u2019re debt collectors. For stopping such calls, you can ask debt collectors to stop contacting you while you\u2019re at work. According to the law, they need to stop!<\/p>\n\n\n\n

3. Threaten to get you Arrested<\/strong><\/h4>\n\n\n\n
\"\"<\/figure><\/div>\n\n\n\n

Collection agencies aren\u2019t allowed to falsely claim that you\u2019ve committed a crime. They can\u2019t say that you\u2019ll get arrested when you haven\u2019t repaid money that they say you owe.<\/p>\n\n\n\n

First of all, it\u2019s not possible for these agencies to issue arrest warrants or to put you behind bars. Furthermore, not repaying debt on a credit card, car loan, medical bills, or mortgage in time wouldn\u2019t land you inside prison.<\/p>\n\n\n\n

However, you can get into trouble if you\u2019ve got a legitimate order for appearing on the court due to debt and you don\u2019t show up. In such a case, the judge has the authority to issue an arrest warrant against you. Also, if you\u2019ve failed to pay court fines regarding the debt, you can easily land in jail.<\/p>\n\n\n\n

4. Harass and Try Publicly Shaming You<\/strong><\/h4>\n\n\n\n
\"\"<\/figure><\/div>\n\n\n\n

The law has listed certain ways that are illegal to use by debt collectors as these mostly harass the debtor. Debt collectors are not allowed to:<\/p>\n\n\n\n