When a creditor sells a past due debt to a collection agency, the collection agency becomes the owner of debt. They may add additional interest and fees to the balance as part of their collection efforts, so the collection amount may be greater than the original amount that was written off by your creditor.
Often, the amount of interest is dictated by the interest rate listed in the terms and conditions of the original contract. If you disagree with the amount a debt collector says you owe, contact them for clarification.
If you believe with a collection agency is not complying with the law, contact your state attorney general's office for information about your legal options. Stay up-to-date with your latest credit information for free and learn what lenders might see when reviewing your credit.
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Licenses and Disclosures.Find occupations related to multiple tasks. Find occupations related to multiple detailed work activities. Source: Bureau of Labor Statistics wage data and employment projections. Links to non-DOL Internet sites are provided for your convenience and do not constitute an endorsement.
Skip navigation. Occupation Quick Search:. Department of Labor Related Sites. Updated Tasks 5 of 16 displayed. All 16 displayed. Operate automated or semi-automated hoisting devices that raise refuse bins and dump contents into openings in truck bodies. Inspect trucks prior to beginning routes to ensure safe operating condition. Drive trucks, following established routes, through residential streets or alleys or through business or industrial areas.
Operate equipment that compresses collected refuse. Dump refuse or recyclable materials at disposal sites. Dismount garbage trucks to collect garbage and remount trucks to ride to the next collection point. Refuel trucks or add other fluids, such as oil or brake fluid. Fill out defective equipment reports. Communicate with dispatchers concerning delays, unsafe sites, accidents, equipment breakdowns, or other maintenance problems. Check road or weather conditions to determine how routes will be affected.
Clean trucks or compactor bodies after routes have been completed. Tag garbage or recycling containers to inform customers of problems, such as excess garbage or inclusion of items that are not permitted. Provide quotes for refuse collection contracts. Organize schedules for refuse collection. Sort items set out for recycling and throw materials into designated truck compartments.
Make special pickups of recyclable materials, such as food scraps, used oil, discarded computers, or other electronic items.
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Oral Comprehension — The ability to listen to and understand information and ideas presented through spoken words and sentences. Arm-Hand Steadiness — The ability to keep your hand and arm steady while moving your arm or while holding your arm and hand in one position.The FDCPA prohibits debt collection companies from using abusive, unfair or deceptive practices to collect debts from you.
It also does not generally cover collection by the original creditor to whom you first became indebted. Under the FDCPA, debt collectors include collection agencies, debt buyers, and lawyers who regularly collect debts as part of their business.
There are also companies that buy past-due debts from creditors or other businesses and then try to collect them. These debt collectors are also usually called debt collection agencies, debt collection companies, or debt buyers. Warning: Telling a debt collector to stop contacting you does not prevent the debt collector from pursuing other legal ways to collect the debt from you if you owe it, including a lawsuit against you or reporting negative information to a credit reporting company.
Any debt collector who contacts you claiming you owe payment on a debt is required by law to tell you certain information about the debt. That information includes:.
You can dispute all or part of the debt. You can also ask for more information if you are unsure you owe money to a creditor, or how much you might owe. If you dispute all or part of a debt in writing within 30 days of when you receive the required information from the debt collector, the debt collector cannot call or contact you to collect the debt or the disputed part until the debt collector has provided the verification of the debt in writing to you.
You can also request that the creditor give you the name and address of the original creditor. If you make that request in writing within 30 days, the debt collector has to stop all debt collection activities until the debt collector provides you that information.
When you get the requested information or the response to your dispute from the debt collector, see if your own records agree with the information the debt collector provided. There are other important federal laws as well. The federal Fair Credit Reporting Act covers how financial matter, including debt collections can be reported in your credit report.
There are also federal consumer financial protection laws that prohibit unfair, deceptive, or abusive acts or practices that apply to debt collectors, as well as creditors. Some of those state laws cover the original creditor, while others don't. States also have Unfair and Deceptive Acts and Practices laws that may apply to debt collection. Contact your state attorney general's office to learn more about the laws in your state. You also may be able to sue a debt collector in state or federal court.
Please do not share any personally identifiable information PIIincluding, but not limited to: your name, address, phone number, email address, Social Security number, account information, or any other information of a sensitive nature.
Skip to main content. Debt Collection. The federal Fair Credit Reporting Act covers how debt collection is reported in credit reports.Dealing with a debt collector can be a difficult and upsetting experience. The main purpose of collectors is to recover the debt because they keep a percentage of all collections. Some unscrupulous collectors in the past have threatened borrowers, called at all hours of the day and night, pretended to be someone else and contacted friends and family, in the hopes that constant harassment would lead to payment of the debt.
The Act outlines specific practices that are disallowed in collection efforts. However, it does not apply to a creditor's in-house collectors. Many states have their own debt collection regulations that may restrict collectors even more. They can only call between 8 a. They cannot call repeatedly in a short period of time in order to harass you.
Collectors cannot threaten that you will go to jail or that they will make the debts public. They also cannot call your employer about your debt, unless it represents unpaid child support.
If you tell collectors not to call you again, they are legally not allowed to do so, but their collection efforts can continue. Debt collectors may imply that they can garnish your wages or take other personal property to satisfy the debt. In order for that to happen, they must sue you in a court of law and obtain a court judgment. The federal government is one of the only creditors allowed to garnish without such a judgment. If you have provided collectors with post-dated checks to satisfy the debt, they cannot try to cash the checks early, even though banking rules allow people to do so.
They also cannot charge you any fees, penalties or interest that was not agreed to in the original contract with the creditor. Protecting Your Rights Never give anyone, including a debt collector, personal or financial information over the telephone. Legitimate debt collectors will not ask you for bank or credit card account numbers.
Always confirm with the company you owe the money to that it has turned over collections to this company. Scammers often pose as debt collectors to make some quick cash. Never pay anyone or any company that you have not verified as legitimate. You may also be able to sue the debt collector if their collection practices have resulted in financial or personal damages.Does anyone have any updates on these Pop numbers?
Need for a coin club educational program. Joseph J. Singleton - First Superintendent of the U. Toggle navigation. Categories Discussions Activity Best Of Sign In. Coin Forum. December 12, AM in U. Does anyone know here this info can be found?
Also soft pack versus black cases? January 26, PM. The total number released by the GSA was estimated as 28, but no one documented the number of each date included in the 28, One can estimate the total coins included for each date by looking at the number graded for each date. There are some dates that have not been graded yet. The dates with the most graded sell for the lowest premiums. There were 97, soft pack gsa coins packaged and sold. Again, no one knows how many coins of each date were included in the total.
January 27, AM. Thanks GSAcollector! There is a thick, and very dull-looking file on the GSA silver dollar sales. Given GSAs love of counting things, it likely contains the information you want.
January 17, AM. I've been using this post from GSACollector for awhile as a reference.Debt collectors have a reputation—in some cases a well-deserved one—for being obnoxious, rude, and even scary while trying to get borrowers to pay up. Here are five tactics that debt collectors are specifically forbidden from using. Knowing what they are can help you stand up for yourself with confidence.
The FDCPA prohibits debt collectors from pretending to work for any government agency, including law enforcement. They also cannot claim to be working for a consumer reporting agency. A incident in Georgia shows exactly what debt collectors are not supposed to do. The debt collectors also allegedly misrepresented themselves as working under contract for federal and state government agencies, including the Department of Justice and the U.
The company operated nationwide from through May and called itself Warrant Services Association.
5 Things Debt Collectors Are Forbidden to Do
First of all, the agencies cannot issue arrest warrants or have you put in jail. Furthermore, failing to repay a credit card debt, mortgage, car loan, or medical bill in a timely manner doesn't land you in prison. And, if you fail to pay a court fine related to your debt, or refuse to pay taxes or child support, you could go to jail. Debt collectors are not permitted to try to publicly shame you into paying money that you may or may not owe.
In fact, they're not even allowed to contact you by postcard. They cannot publish the names of people who owe money. They can't even discuss the matter with anyone other than you, your spouse, or your attorney. In most cases, they may not contact those people more than once. Some debt collectors will knowingly or unknowingly rely on incorrect information to try to get money out of you.
The creditor you originally owed money may have sold your debt to a collection agency, which in turn may have sold it to another collection agency. A mistake somewhere along the way could mean that the collector contacting you has incorrect information. The agency might be trying to collect a debt from you that has been discharged in bankruptcy or even one that is owed by someone else with a similar name. Within five days of first contacting you, a debt collector must send you a written notice stating how much you owe, to whom, and how to make your payment.
You might have to prompt them to do this. Be careful not to assume any responsibility for the debt. The Consumer Financial Protection Bureau provides sample letters to debt collectors that you can use to ensure you don't say the wrong thing or give out more information than necessary. The law lists specific ways in which debt collectors are not allowed to harass you. They are not permitted to:. Even if you take these steps, there are still some circumstances that allow debt collectors to contact you again: They can contact you to let you know they will no longer be contacting you or to tell you that a lawsuit has been filed against you.
An unscrupulous debt collector might fabricate such a document, or it might be legitimate. Don't use the address or phone number on the document you receive. Most in-house collectors are for debts that are only a few weeks or months delinquent.
After that, the original creditor usually hires a collection agency to collect on its behalf or sells your debt to a debt buyer who gets to keep what it collects. Debt Management. Your Money.
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Your Practice. Popular Courses.The Collection is created by the provided factory. There are no guarantees on the type, mutability, serializability, or thread-safety of the List returned; if more control over the returned List is required, use toCollection Supplier. There are no guarantees on the type, mutability, serializability, or thread-safety of the Set returned; if more control over the returned Set is required, use toCollection Supplier.
This is an unordered Collector. API Note: The mapping collectors are most useful when used in a multi-level reduction, such as downstream of a groupingBy or partitioningBy. If no elements are present, the result is 0. Implementation Requirements: This produces a result equivalent to: reducing BinaryOperator. The sum returned can vary depending upon the order in which values are recorded, due to accumulated rounding error in addition of values of differing magnitudes.
Values sorted by increasing absolute magnitude tend to yield more accurate results. The average returned can vary depending upon the order in which values are recorded, due to accumulated rounding error in addition of values of differing magnitudes.
Implementation Note: The double format can represent all consecutive integers in the range -2 53 to 2 If the pipeline has more than 2 53 values, the divisor in the average computation will saturate at 2 53leading to additional numerical errors. API Note: The reducing collectors are most useful when used in a multi-level reduction, downstream of groupingBy or partitioningBy. To perform a simple reduction on a stream, use Stream. This is a generalization of reducing Object, BinaryOperator which allows a transformation of the elements before reduction.
To perform a simple map-reduce on a stream, use Stream.
Are there laws that limit what debt collectors can say or do?
The classification function maps elements to some key type K. There are no guarantees on the type, mutability, serializability, or thread-safety of the Map or List objects returned. Implementation Requirements: This produces a result similar to: groupingBy classifier, toList ; Implementation Note: The returned Collector is not concurrent. For parallel stream pipelines, the combiner function operates by merging the keys from one map into another, which can be an expensive operation.
If preservation of the order in which elements appear in the resulting Map collector is not required, using groupingByConcurrent Function may offer better parallel performance. The downstream collector operates on elements of type T and produces a result of type D. There are no guarantees on the type, mutability, serializability, or thread-safety of the Map returned. If preservation of the order in which elements are presented to the downstream collector is not required, using groupingByConcurrent Function, Collector may offer better parallel performance.
The Map produced by the Collector is created with the supplied factory function. If preservation of the order in which elements are presented to the downstream collector is not required, using groupingByConcurrent Function, Supplier, Collector may offer better parallel performance. This is a concurrent and unordered Collector.
There are no guarantees on the type, mutability, or serializability of the Map or List objects returned, or of the thread-safety of the List objects returned. The ConcurrentMap produced by the Collector is created with the supplied factory function.
If the mapped keys contains duplicates according to Object. API Note: It is common for either the key or the value to be the input elements. In this case, the utility method Function. If it is not required that results are inserted into the Map in encounter order, using toConcurrentMap Function, Function may offer better parallel performance. API Note: There are multiple ways to deal with collisions between multiple elements mapping to the same key.
The other forms of toMap simply use a merge function that throws unconditionally, but you can easily write more flexible merge policies. If it is not required that results are merged into the Map in encounter order, using toConcurrentMap Function, Function, BinaryOperator may offer better parallel performance. Type Parameters: T - the type of the input elements K - the output type of the key mapping function U - the output type of the value mapping function Parameters: keyMapper - a mapping function to produce keys valueMapper - a mapping function to produce values mergeFunction - a merge function, used to resolve collisions between values associated with the same key, as supplied to Map.
The Map is created by a provided supplier function. Implementation Note: The returned Collector is not concurrent.