Conflict over finances is one of the biggest challenges in a marriage. Knowing how to handle such conflict better will help whether the marriage survives or ends in divorce. This is a link to part of a series titled When Debt Collectors Call by a guest blogger over at my Bankruptcy Law Blog. From time to time, a Guest Blogger will share voice over at the New Mexico Bankruptcy Law Blog and I’ll link over to those posts when I think they can help couples handle financial conflict better. Today, to continues the series, When Debt Collectors Call, we welcome back Deborah DeMack.

Part 8: Other Types of Illegal Debt Collection Acts

Debt collectors — most notably, “junk debt” buyers — often try to collect on debts that have been discharged in bankruptcy or are not legally owed by the consumer from whom the debt collector is attempting to collect monies.

Earlier Posts: Part 1: Debt Collection Abuse and the FDCPA, Part 2: To Whom Does the FDCPA Apply? What Debts are Covered?, Part 3: How May a Debt Collector Contact You?, Part 4: What Acts or Practices are Prohibited by the FDCPA?, Part 5: How Do You Stop a Debt Collector From Contacting You?, Part 6: The 30 Day Validation (Verification) Notice, Part 7: Statutes of Limitations

Conflict over finances is one of the biggest challenges in a marriage. Knowing how to handle such conflict better will help whether the marriage survives or ends in divorce. This is a link to part of a series titled When Debt Collectors Call by a guest blogger over at my Bankruptcy Law Blog. From time to time, a Guest Blogger will share voice over at the New Mexico Bankruptcy Law Blog and I’ll link over to those posts when I think they can help couples handle financial conflict better. Today, to continues the series, When Debt Collectors Call, we welcome back Deborah DeMack.

Part 7: Statutes of Limitations

In New Mexico, the statute of limitations (SOL) for written contracts is 6 years, 4 years for oral contracts

Earlier Posts: Part 1: Debt Collection Abuse and the FDCPA, Part 2: To Whom Does the FDCPA Apply? What Debts are Covered?, Part 3: How May a Debt Collector Contact You?, Part 4: What Acts or Practices are Prohibited by the FDCPA?, Part 5: How Do You Stop a Debt Collector From Contacting You?, Part 6: The 30 Day Validation (Verification) Notice

Conflict over finances is one of the biggest challenges in a marriage. Knowing how to handle such conflict better will help whether the marriage survives or ends in divorce. This is a link to part of a series titled When Debt Collectors Call by a guest blogger over at my Bankruptcy Law Blog. From time to time, a Guest Blogger will share voice over at the New Mexico Bankruptcy Law Blog and I’ll link over to those posts when I think they can help couples handle financial conflict better. Today, to continues the series, When Debt Collectors Call, we welcome back Deborah DeMack.

Part 6: The 30 Day Validation (Verification) Notice

Within five days of the initial contact from a debt collector (typically, by phone) the FDCPA requires that the debt collector must send you a written notice informing you, the consumer, that you have the right to dispute the debt, in part or in whole.

Earlier Posts: Part 1: Debt Collection Abuse and the FDCPA, Part 2: To Whom Does the FDCPA Apply? What Debts are Covered?, Part 3: How May a Debt Collector Contact You?, Part 4: What Acts or Practices are Prohibited by the FDCPA?, Part 5: How Do You Stop a Debt Collector From Contacting You?

Conflict over finances is one of the biggest challenges in a marriage. Knowing how to handle such conflict better will help whether the marriage survives or ends in divorce. This is a link to part of a series titled When Debt Collectors Call by a guest blogger over at my Bankruptcy Law Blog. From time to time, a Guest Blogger will share voice over at the New Mexico Bankruptcy Law Blog and I’ll link over to those posts when I think they can help couples handle financial conflict better. Today, to continues the series, When Debt Collectors Call, we welcome back Deborah DeMack.

Part 5: How Do You Stop a Debt Collector From Contacting You?

You can stop a debt collector from contacting you by writing a letter to the collector informing them to cease contacting you.

Earlier Posts: Part 1: Debt Collection Abuse and the FDCPA, Part 2: To Whom Does the FDCPA Apply? What Debts are Covered?, Part 3: How May a Debt Collector Contact You?, Part 4: What Acts or Practices are Prohibited by the FDCPA?

Conflict over finances is one of the biggest challenges in a marriage. Knowing how to handle such conflict better will help whether the marriage survives or ends in divorce. This is a link to part of a series titled When Debt Collectors Call by a guest blogger over at my Bankruptcy Law Blog. From time to time, a Guest Blogger will share voice over at the New Mexico Bankruptcy Law Blog and I’ll link over to those posts when I think they can help couples handle financial conflict better. Today, to continues the series, When Debt Collectors Call, we welcome back Deborah DeMack.

Part 4: What Acts or Practices are Prohibited  by the FDCPA?

The FDCPA is intended to protect consumers from harrassment, abuse, invasion of privacy, false or deceptive representations, and unfair or unconscionable collection methods.

Earlier Posts: Part 1: Debt Collection Abuse and the FDCPA, Part 2: To Whom Does the FDCPA Apply? What Debts are Covered?, Part 3: How May a Debt Collector Contact You?

Conflict over finances is one of the biggest challenges in a marriage. Knowing how to handle such conflict better will help whether the marriage survives or ends in divorce. This is a link to part of a series titled When Debt Collectors Call by a guest blogger over at my Bankruptcy Law Blog. From time to time, a Guest Blogger will share voice over at the New Mexico Bankruptcy Law Blog and I’ll link over to those posts when I think they can help couples handle financial conflict better. Today, to continues the series, When Debt Collectors Call, we welcome back Deborah DeMack.

Part 3: How May a Debt Collector Contact You?

A debt collector may contact you in person, by phone, mail, telegram or fax.

Earlier Posts: Part 1: Debt Collection Abuse and the FDCPA, Part 2: To Whom Does the FDCPA Apply? What Debts are Covered?

Conflict over finances is one of the biggest challenges in a marriage. Knowing how to handle such conflict better will help whether the marriage survives or ends in divorce. This is a link to part of a series titled When Debt Collectors Call by a guest blogger over at my Bankruptcy Law Blog. From time to time, a Guest Blogger will share voice over at the New Mexico Bankruptcy Law Blog and I’ll link over to those posts when I think they can help couples handle financial conflict better. Today, to continues the series, When Debt Collectors Call, we welcome  back Deborah DeMack.

Part 2: To Whom Does the FDCPA Apply? What Debts are Covered?

A “debt collector” is any person who regularly collects or attempt to collect debts owed to others.

Earlier Posts: Part 1: Debt Collection Abuse and the FDCPA,