Delaware enforces the Federal Fair Debt Collection Practices Act. Its residents are protected under the federal law. The only specifications under their collection act apply to debt collectors and collection licensing. To learn more about the FDPCA, go to Federal Debt Collection Practices Act
Here are some FDCPA rules that you need to be aware of;
Collection of debts through offensive and dishonest means is prohibited. This includes;
a. Getting in touch with consumers personally or through telephone before 8.00 AM or after 9 PM
b. Using foul and abusive language to collect debts
c.Continuing to contact the customer in spite of written communication requesting the collector to refrain from contacting him
d.Calling the customer at his workplace regardless of instructions not to do so
e. Unwarranted threats to arrest or take legal action against the consumer when you are not an attorney or in the legal services
f.Disclosing the intent of communication with the consumer to parties other that his spouse or his attorney unless specified by him in
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g.Offering false information on credit reports to prompt quick action on payments
What steps should I take to dispute a debt owed to a collection agency?
If you do not owe the debt, contact the creditor who reported the debt to the collection agency. Send a letter within 5 days after you are first contacted by the debt collector to both the debt collector and the creditor. In your letter, tell the debt collector to stop all contact with you. If you owe the debt, contact your creditor and ask for a payment plan.
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