Summary
Debt collection in Oregon is governed by both federal and state laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive practices, while Oregons Unlawful Debt Collection Practices Act aligns with FDCPA, adding state-specific restrictions. If a collection agency attempts to collect a fraudulent debt, you can dispute it and request validation. Its important to file a complaint with the Consumer Financial Protection Bureau and the Oregon Department of Consumer and Business Services. Regularly check your credit report to ensure the fraudulent debt isnt affecting your credit score. If the issue persists, consulting a local attorney specializing in consumer protection may be beneficial.Full Conversation
What are the laws in oregon and fdrc that make it so it is ilegal to collect a debt that is bought
In Oregon, debt collection practices are governed by both federal and state laws. Here's a quick overview:
- Federal Law (FDCPA): The Fair Debt Collection Practices Act prohibits abusive practices by debt collectors, including collecting debts not legally owed.
- Oregon Law: Oregon’s Unlawful Debt Collection Practices Act aligns with FDCPA, adding state-specific restrictions.
Is there a specific aspect of debt collection you're concerned about?
Collection agency was sold a debt that was fraud and relorted
It sounds like you're dealing with a potentially fraudulent debt. Here are some steps you can take under both federal and Oregon laws:
- Dispute the Debt: Request validation of the debt from the collection agency and dispute it if it’s not valid.
- File a Complaint: Report the fraudulent debt to the Consumer Financial Protection Bureau (CFPB) and Oregon Department of Consumer and Business Services.
- Check Your Credit Report: Ensure the debt isn’t affecting your credit; if it is, dispute it with credit bureaus.
Would you like assistance with finding a local attorney to help you resolve this issue?
I did silitez
It seems like there's a typo or an unclear phrase with "I did silitez." Could you clarify what you meant by that? Are you looking for more information or assistance on a specific part of your debt collection issue?
Dispute
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It sounds like you have already taken steps to dispute the debt. Make sure to keep records of all communications with the collection agency. If the issue persists, you might consider contacting a local attorney specializing in consumer protection. Is there anything else specific you need help with regarding this dispute?
But thsh
Case Rating: *
It seems like you're dealing with a fraudulent debt collection issue. Filing a formal dispute with the collection agency and keeping detailed records is crucial. If the issue continues, consulting with a local attorney specializing in consumer protection might be beneficial. Let me know if there's anything else you need!
THey cant collect if it is not a debt with them
Case Rating: *
It seems like you're dealing with a potentially complex debt collection issue involving a fraudulent debt. Here are some key points:
- Proof of Debt: Debt collectors must provide proof that you owe the debt.
- Unauthorized Collection: Collectors cannot collect debts not legally owed to them.
- Legal Assistance: A local attorney can assist in protecting your rights.
Would you like to know more about how to handle this situation, or do you have any specific questions?
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