Bowen Ten Cardani, PC

Call Us For Your Initial Consultation


Collection agencies must respect a debtor's rights

Virginia collection agencies will likely try whatever it takes to get money from a debtor. However, there are limits as to what they can do to get what they are owed. For instance, they are not allowed to contact a person before 8 a.m. or after 9 p.m. A debt collector is also barred from contacting a person while at work if the collector has been asked not to do so.

Family members cannot be contacted or provided information about another person's outstanding debt. An exception is made if the person a debt collector contacts is the debtor's spouse. If a debtor asks that a debt collector verify the debt, this must be done before any further collection actions are taken. Furthermore, individuals are entitled to know the amount of the debt as well as the name and address of the original creditor.

If a debtor obtains a lawyer, any future contact regarding an outstanding debt must be directed to that legal professional. Debtors are also allowed to ask that collectors not contact them any longer. However, this could result in a lawsuit or other action being taken against the person who is believed to owe money. Complaints about abusive or other potentially illegal debt collector conduct can be made to the Federal Trade Commission (FTC) or to a state's attorney general.

Filing for bankruptcy may provide relief from overwhelming debt. While a bankruptcy case is ongoing, creditors typically cannot repossess property or foreclose on a loan. Furthermore, they generally cannot contact debtors by phone or mail. An attorney may be able to explain the process of filing for bankruptcy and the potential benefits of making such a decision.

No Comments

Leave a comment
Comment Information
Email Us For A Response

We’re ready to work with you.

Bold labels are required.

Contact Information

The use of the Internet or this form for communication with the firm or any individual member of the firm does not establish an attorney-client relationship. Confidential or time-sensitive information should not be sent through this form.


Privacy Policy

Bowen Ten Cardani, PC

Richmond Office
3957 Westerre Parkway, Suite 105
Richmond, VA 23233

Toll Free: 866-601-7371
Phone: 804-767-6850
Richmond Law Office Map

Ashland Office
9410 Atlee Commerce Blvd, Suite 2
Ashland, VA 23005

Toll Free: 866-601-7371
Phone: 804-767-6850
Ashland Law Office Map

Rated By | Super Lawyers | Rising Stars Britney McPheron
Super Lawyers | K. Matthew Long