{"id":28998,"date":"2018-08-20T10:40:23","date_gmt":"2018-08-20T08:40:23","guid":{"rendered":"http:\/\/www.mamaxxi.com\/?p=28998"},"modified":"2023-11-27T23:23:13","modified_gmt":"2023-11-27T22:23:13","slug":"4-things-you-should-know-about-collection-agencies","status":"publish","type":"post","link":"https:\/\/www.mamaxxi.com\/en\/4-things-you-should-know-about-collection-agencies\/","title":{"rendered":"4 Things you should know about collection agencies"},"content":{"rendered":"<p>Desliza este art\u00edculo hacia abajo para leerlo en espa\u00f1ol: 4 Cosas que debes saber acerca de las agencias de colecci\u00f3n.<\/p>\n<p><span style=\"font-weight: 400;\">Do you owe money? Are you not prompt in paying your debts? You may have heard about collection agencies. Well, these are companies that can be hired by your creditors to collect debts from you. It could feel intimidating to be contacted by a collection agency. However, you need not panic as there are laws that govern the extent to which these agencies can go in their collection of debts for their clients. There are many things that you need to be aware of when you are contacted by these agencies.<\/span><a href=\"https:\/\/mypaymentsavvy.com\/difficulty-of-getting-a-merchant-account-for-collections-agency\/\"> <span style=\"font-weight: 400;\">It can be difficult for collection agencies<\/span><\/a><span style=\"font-weight: 400;\"> to actually recover any money from you without your willingness to pay. However, you have to obey the law when dealing with these entities.<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-28999\" src=\"https:\/\/www.mamaxxi.com\/wp-content\/uploads\/2018\/08\/money-256312_640.jpg\" alt=\"calculating, bills, collection, debt, house finances\" width=\"640\" height=\"426\" \/><\/p>\n<h3 style=\"text-align: center;\"><span style=\"font-weight: 400;\">Here are 4 things you should know about collection agencies:<\/span><\/h3>\n<ol>\n<li><b><\/b> <b>How does debt go into the collection?<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">A debt will be deemed to have gone into the collection if the creditors believe that the debtor is not going to pay the debt. This happens when the creditor is unable to reach the debtor or when the debtor has not made their regular repayments for some time. Sometimes when the debtor and the creditor can\u2019t come into amicable agreement, the debt may go into collection. If your payment has not been done in 3 to 6 months, the creditor may hire the services of a collection agent to help them recover their money. Sometimes a collection agency may purchase a loan from the lenders and collect it in whichever manner they deem fit.<\/span><\/p>\n<ol start=\"2\">\n<li><b><\/b> <b>The operations of a debt agency<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">When a creditor involves a collection agency, it means that they are entrusting their debt collection role to the agency. As such, the collection agency will try to reach you as soon as possible. If they cannot reach you, they will try to call your family, your attorney or your relatives. Usually, this is done by letter or by phone. The collection agency will, however, never discuss your debt with any person other than your spouse or your attorney. When they contact you finally, they will send you a written notice of validation that contains the amounts you owe.<\/span><\/p>\n<ol start=\"3\">\n<li><b><\/b> <b>Differentiate the collection agency and the creditor<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">You may not recognize the company that is calling you in the name of the collection agency. Regardless of this, it does not mean that they are calling you as a mistake. It could be that the creditors have sold the debt you owe them to the collection agency. The creditors will mostly sell a credit account to a collection agency or use the agency to help recover the debt. Whatever the case, you need to differentiate between the two entities and deal with them appropriately.<\/span><\/p>\n<ol start=\"4\">\n<li><b><\/b> <b>Collection agencies cannot use unfair tactics on you<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">There are laws that govern debt collection. There are a number of things the collectors cannot do to you in the process of debt collection. The collection agency cannot call you at odd hours. They can call you but not before 8 AM or after 9 PM. The agency cannot threaten you or make false claims against you. You are protected by the <a href=\"https:\/\/www.debt.com\/collection\/fdcpa\/\">FDCPA law on debt collections<\/a>.<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-26015\" src=\"https:\/\/www.mamaxxi.com\/wp-content\/uploads\/2016\/02\/money-256298_640.jpg\" alt=\"\" width=\"640\" height=\"426\" \/><\/p>\n<h2 style=\"text-align: center;\">4 Cosas que debes saber acerca de las agencias de colecci\u00f3n<\/h2>\n<p>\u00bfDebes dinero? \u00bfNo eres r\u00e1pido en pagar tus deudas? Es posible que haya escuchado sobre las agencias de cobro. Bueno, estas son compa\u00f1\u00edas que pueden ser contratadas por sus acreedores para cobrar sus deudas. Puede ser intimidante que una agencia de cobros se ponga en contacto con usted. Sin embargo, no es necesario que cunda el p\u00e1nico, ya que existen leyes que regulan el alcance de estas agencias en su colecci\u00f3n de deudas para sus clientes. Hay muchas cosas que debe conocer cuando estas agencias se ponen en contacto con usted. Puede ser dif\u00edcil para las agencias de cobro recuperar dinero de usted sin su disposici\u00f3n a pagar. Sin embargo, debes obedecer la ley al tratar con estas entidades.<\/p>\n<p>Aqu\u00ed hay 4 cosas que debe saber sobre las agencias de cobro:<\/p>\n<p>1. \u00bfC\u00f3mo entra la deuda en la colecci\u00f3n?<\/p>\n<p>Se considerar\u00e1 que una deuda ha ingresado en la colecci\u00f3n si los acreedores creen que el deudor no va a pagar la deuda. Esto sucede cuando el acreedor no puede comunicarse con el deudor o cuando el deudor no ha realizado sus pagos regulares durante alg\u00fan tiempo. A veces, cuando el deudor y el acreedor no pueden llegar a un acuerdo amistoso, la deuda puede entrar en cobro. Si su pago no se ha realizado en 3 a 6 meses, el acreedor puede contratar los servicios de un agente de cobro para ayudarlos a recuperar su dinero. A veces, una agencia de cobranza puede comprar un pr\u00e9stamo de los prestamistas y cobrarlo de la manera que estime conveniente.<\/p>\n<p>2. Las operaciones de una agencia de deuda<\/p>\n<p>Cuando un acreedor involucra a una agencia de cobro, significa que est\u00e1n confiando su rol de cobro a la agencia. Como tal, la agencia de cobros intentar\u00e1 comunicarse con usted lo antes posible. Si no pueden comunicarse con usted, intentar\u00e1n llamar a su familia, a su abogado o a sus familiares. Por lo general, esto se hace por carta o por tel\u00e9fono. La agencia de cobro, sin embargo, nunca discutir\u00e1 su deuda con ninguna persona que no sea su c\u00f3nyuge o su abogado. Cuando finalmente se comuniquen con usted, le enviar\u00e1n un aviso de validaci\u00f3n por escrito que contiene los montos que debe.<\/p>\n<p>3. Diferenciar la agencia de cobro y el acreedor<\/p>\n<p>Es posible que no reconozca a la compa\u00f1\u00eda que lo llama en nombre de la agencia de cobros. Independientemente de esto, no significa que lo est\u00e9n llamando por error. Podr\u00eda ser que los acreedores hayan vendido la deuda que usted les debe a la agencia de cobros. Los acreedores en su mayor\u00eda vender\u00e1n una cuenta de cr\u00e9dito a una agencia de cobro o usar\u00e1n la agencia para ayudar a recuperar la deuda. En cualquier caso, debe diferenciar entre las dos entidades y tratarlas adecuadamente.<\/p>\n<p>4. Las agencias de cobro no pueden usar t\u00e1cticas injustas contigo<\/p>\n<p>Hay leyes que rigen la cobranza de deudas. Hay una serie de cosas que los recolectores no pueden hacerle a usted en el proceso de cobro de deudas. La agencia de cobros no puede llamarlo a horas extra\u00f1as. Pueden llamarte pero no antes de las 8 a.m. o despu\u00e9s de las 9 p.m. La agencia no puede amenazarlo o realizar reclamos falsos en su contra. Est\u00e1 protegido por la ley FDCPA sobre cobros de deudas.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Desliza este art\u00edculo hacia abajo para leerlo en espa\u00f1ol: 4 Cosas que debes saber acerca de las agencias de colecci\u00f3n. Do you owe money? Are you not prompt in paying your debts? You may have heard about collection agencies. Well, these are companies that can be hired by your creditors to collect debts from you&#8230;. <a class=\"more-link\" href=\"https:\/\/www.mamaxxi.com\/en\/4-things-you-should-know-about-collection-agencies\/\">[Read More]<\/a><\/p>\n","protected":false},"author":2,"featured_media":29477,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"wprm-recipe-roundup-name":"","wprm-recipe-roundup-description":"","_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[18],"tags":[],"class_list":{"0":"post-28998","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-family-economy","8":"entry"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>4 Things you should know about collection agencies - Mama XXI<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.mamaxxi.com\/en\/4-things-you-should-know-about-collection-agencies\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"4 Things you should know about collection agencies - Mama XXI\" \/>\n<meta property=\"og:description\" content=\"Desliza este art\u00edculo hacia abajo para leerlo en espa\u00f1ol: 4 Cosas que debes saber acerca de las agencias de colecci\u00f3n. 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Do you owe money? Are you not prompt in paying your debts? You may have heard about collection agencies. Well, these are companies that can be hired by your creditors to collect debts from you.... [Read More]","og_url":"https:\/\/www.mamaxxi.com\/en\/4-things-you-should-know-about-collection-agencies\/","og_site_name":"Mama XXI","article_author":"http:\/\/facebook.com\/mamaxxi","article_published_time":"2018-08-20T08:40:23+00:00","article_modified_time":"2023-11-27T22:23:13+00:00","og_image":[{"width":640,"height":426,"url":"https:\/\/www.mamaxxi.com\/en\/wp-content\/uploads\/sites\/2\/2018\/08\/money-256312_640.jpg","type":"image\/jpeg"}],"author":"Romina Tibytt","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Romina Tibytt","Est. reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.mamaxxi.com\/en\/4-things-you-should-know-about-collection-agencies\/#article","isPartOf":{"@id":"https:\/\/www.mamaxxi.com\/en\/4-things-you-should-know-about-collection-agencies\/"},"author":{"name":"Romina Tibytt","@id":"https:\/\/www.mamaxxi.com\/en\/#\/schema\/person\/968fad233b0fbbbd4e6437588d5fb1a2"},"headline":"4 Things you should know about collection agencies","datePublished":"2018-08-20T08:40:23+00:00","dateModified":"2023-11-27T22:23:13+00:00","mainEntityOfPage":{"@id":"https:\/\/www.mamaxxi.com\/en\/4-things-you-should-know-about-collection-agencies\/"},"wordCount":1131,"commentCount":4,"image":{"@id":"https:\/\/www.mamaxxi.com\/en\/4-things-you-should-know-about-collection-agencies\/#primaryimage"},"thumbnailUrl":"https:\/\/www.mamaxxi.com\/en\/wp-content\/uploads\/sites\/2\/2018\/08\/money-256312_640.jpg","articleSection":["Family Economy"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.mamaxxi.com\/en\/4-things-you-should-know-about-collection-agencies\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.mamaxxi.com\/en\/4-things-you-should-know-about-collection-agencies\/","url":"https:\/\/www.mamaxxi.com\/en\/4-things-you-should-know-about-collection-agencies\/","name":"4 Things you should know about collection agencies - Mama XXI","isPartOf":{"@id":"https:\/\/www.mamaxxi.com\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.mamaxxi.com\/en\/4-things-you-should-know-about-collection-agencies\/#primaryimage"},"image":{"@id":"https:\/\/www.mamaxxi.com\/en\/4-things-you-should-know-about-collection-agencies\/#primaryimage"},"thumbnailUrl":"https:\/\/www.mamaxxi.com\/en\/wp-content\/uploads\/sites\/2\/2018\/08\/money-256312_640.jpg","datePublished":"2018-08-20T08:40:23+00:00","dateModified":"2023-11-27T22:23:13+00:00","author":{"@id":"https:\/\/www.mamaxxi.com\/en\/#\/schema\/person\/968fad233b0fbbbd4e6437588d5fb1a2"},"breadcrumb":{"@id":"https:\/\/www.mamaxxi.com\/en\/4-things-you-should-know-about-collection-agencies\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.mamaxxi.com\/en\/4-things-you-should-know-about-collection-agencies\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.mamaxxi.com\/en\/4-things-you-should-know-about-collection-agencies\/#primaryimage","url":"https:\/\/www.mamaxxi.com\/en\/wp-content\/uploads\/sites\/2\/2018\/08\/money-256312_640.jpg","contentUrl":"https:\/\/www.mamaxxi.com\/en\/wp-content\/uploads\/sites\/2\/2018\/08\/money-256312_640.jpg","width":640,"height":426},{"@type":"BreadcrumbList","@id":"https:\/\/www.mamaxxi.com\/en\/4-things-you-should-know-about-collection-agencies\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.mamaxxi.com\/en\/"},{"@type":"ListItem","position":2,"name":"4 Things you should know about collection agencies"}]},{"@type":"WebSite","@id":"https:\/\/www.mamaxxi.com\/en\/#website","url":"https:\/\/www.mamaxxi.com\/en\/","name":"Mama XXI","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.mamaxxi.com\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/www.mamaxxi.com\/en\/#\/schema\/person\/968fad233b0fbbbd4e6437588d5fb1a2","name":"Romina Tibytt","pronouns":"she\/her","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/d7123503d76dcebdaf8928079910ce228ba18bfbca6331a2feb3c7d02bbb257e?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/d7123503d76dcebdaf8928079910ce228ba18bfbca6331a2feb3c7d02bbb257e?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/d7123503d76dcebdaf8928079910ce228ba18bfbca6331a2feb3c7d02bbb257e?s=96&d=mm&r=g","caption":"Romina Tibytt"},"description":"Romina Tibytt is a writer, bilingual creator, mother, and soon-to-be grandmother. Since 2009 with MamaXXI, one of the first spaces for Latina mothers in the U.S., she has woven stories blending culture, spirituality, and everyday life. Her curiosity guides her between visible and invisible worlds, always with humor and a touch of magic. She writes to inspire, open imagination, and remind you that your voice and story have a unique place. ........................................................................................................................................................... Romina Tibytt es escritora, creadora biling\u00fce, madre y futura abuela. Desde 2009 con MamaXXI, uno de los primeros espacios para madres latinas en EE.\u202fUU., ha tejido historias que mezclan cultura, espiritualidad y vida cotidiana. Su curiosidad la gu\u00eda entre mundos visibles e invisibles, siempre con humor y un toque de magia. Escribe para inspirar, abrir la imaginaci\u00f3n y recordarte que tu voz y tu historia tienen un lugar \u00fanico.","sameAs":["http:\/\/www.mamaxxi.com","http:\/\/facebook.com\/mamaxxi","https:\/\/www.instagram.com\/cibeles242\/","https:\/\/www.linkedin.com\/in\/rominatibytt\/","http:\/\/pinterest.com\/mamaxxi","https:\/\/www.youtube.com\/@RominaT_Aurora"],"url":"https:\/\/www.mamaxxi.com\/en\/author\/romina\/"}]}},"_links":{"self":[{"href":"https:\/\/www.mamaxxi.com\/en\/wp-json\/wp\/v2\/posts\/28998","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.mamaxxi.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.mamaxxi.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.mamaxxi.com\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.mamaxxi.com\/en\/wp-json\/wp\/v2\/comments?post=28998"}],"version-history":[{"count":0,"href":"https:\/\/www.mamaxxi.com\/en\/wp-json\/wp\/v2\/posts\/28998\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.mamaxxi.com\/en\/wp-json\/wp\/v2\/media\/29477"}],"wp:attachment":[{"href":"https:\/\/www.mamaxxi.com\/en\/wp-json\/wp\/v2\/media?parent=28998"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.mamaxxi.com\/en\/wp-json\/wp\/v2\/categories?post=28998"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.mamaxxi.com\/en\/wp-json\/wp\/v2\/tags?post=28998"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}