About 'bad debt written off'|Writing Off Bad Debt.

About 'bad debt written off'|Writing Off Bad Debt.

Ｉｔ               ｉｓ               ｖｅｒｙ               ｉｍｐｏｒｔａｎｔ               ｔｏ               ｎｏｔｅ               ｔｈａｔ               ｔｈｅｒｅ               ｉｓ               ａ               ｄｉｆｆｅｒｅｎｃｅ               ｂｅｔｗｅｅｎ               ｆｉｒｓｔ               ｐａｒｔｙ               ａｎｄ               ｔｈｉｒｄ               ｐａｒｔｙ               ｃｏｌｌｅｃｔｉｏｎｓ. Ｆｉｒｓｔ               ｐａｒｔｙ               ｃｏｌｌｅｃｔｉｏｎｓ               ｔａｋｅ               ｐｌａｃｅ               ｗｈｅｎ               ｔｈｅ               ｌｅｎｄｅｒｓ               ｔｈｅｍｓｅｌｖｅｓ               ａｔｔｅｍｐｔ               ｔｏ               ｃｏｌｌｅｃｔ               ｏｎ               ａ               ｄｅｂｔ. Ｔｈｅｒｅ               ａｒｅ               ｓｏｍｅ               ｆｅｄｅｒａｌ               ｌａｗｓ               ｔｈａｔ               ａｐｐｌｙ               ｔｏ               ｔｈｉｓ               ｔｈｅｓｅ               ｃｏｌｌｅｃｔｏｒｓ               ａｎｄ               ｓｏｍｅ               ｔｈａｔ               ｍａｙ               ｖａｒｙ               ｓｌｉｇｈｔｌｙ               ｆｒｏｍ               ｓｔａｔｅ               ｔｏ               ｓｔａｔｅ,               ｂｕｔ               ｔｈｅ               ｌａｗｓ               ｓｕｒｒｏｕｎｄｉｎｇ               ｆｉｒｓｔ               ｐａｒｔｙ               ｄｅｂｔ               ｃｏｌｌｅｃｔｉｏｎ               ａｔｔｅｍｐｔｓ               ｒｅｌａｔｉｖｅｌｙ               ｆａｌｌ               ｉｎｔｏ               ａ               ｇｒａｙ               ａｒｅａ,               ａｌｌｏｗｉｎｇ               ｔｈｅｍ               ｔｏ               ｆｏｌｌｏｗ               ｓｏｍｅ               ｄｉｆｆｅｒｅｎｔ               ｐｒａｃｔｉｃｅｓ               ｔｈａｎ               ａ               ｔｈｉｒｄ               ｐａｒｔｙ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｙ. Ａ               ｔｈｉｒｄ               ｐａｒｔｙ               ｄｅｂｔ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｙ               ｉｓ               ａ               ｃｏｍｐａｎｙ               ｗｈｏ               ｈａｓ               ｎｏ               ｄｉｒｅｃｔ               ａｆｆｉｌｉａｔｉｏｎ               ｗｉｔｈ               ｔｈｅ               ｄｅｂｔ               ｏｒ               ｔｈｅ               ｄｅｂｔｏｒ. Ｍｏｓｔ               ｌｅｎｄｅｒｓ               ｐｒｅｆｅｒ               ｔｏ               ｕｓｅ               ａ               ｔｈｉｒｄ               ｐａｒｔｙ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｙ               ｏｒ               ｗｉｌｌ               ｒｅｓｏｒｔ               ｔｏ               ｕｓｉｎｇ               ｏｎｅ               ａｆｔｅｒ               ｔｈｅｉｒ               ｏｗｎ               ｐｒｅｖｉｏｕｓ               ａｔｔｅｍｐｔｓ               ａｔ               ｃｏｌｌｅｃｔｉｎｇ               ａｇａｉｎｓｔ               ｔｈｅ               ｄｅｂｔ               ｈａｖｅ               ｂｅｅｎ               ｕｎｓｕｃｃｅｓｓｆｕｌ. Ｐｅｏｐｌｅ               ｈａｖｅ               ｂｅｅｎ               ａｓｋｉｎｇ               ｔｈｅｍｓｅｌｖｅｓ               ｔｈｅ               ｑｕｅｓｔｉｏｎ               ｆｏｒ               ｙｅａｒｓ,               "Ｈｏｗ               ｄｏ               Ｉ               ｇｅｔ               ｂｉｌｌ               ｃｏｌｌｅｃｔｏｒｓ               ｏｆｆ               ｏｆ               ｍｙ               ｂａｃｋ?"               Ｗｈａｔ               Ｔｈｉｒｄ               Ｐａｒｔｙ               Ｄｅｂｔ               Ｃｏｌｌｅｃｔｏｒｓ               ａｒｅ               Ｎｏｔ               Ａｌｌｏｗｅｄ               ｔｏ               Ｄｏ.                Ｔｈｉｒｄ               ｐａｒｔｙ               ｄｅｂｔ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｉｅｓ               ｈａｄ               ｓｔｒｉｃｔ               ｒｕｌｅｓ               ｔｈａｔ               ｔｈｅｙ               ｍｕｓｔ               ａｄｈｅｒｅ               ｔｏ               ａｎｄ               ｆａｉｌｕｒｅ               ｔｏ               ｄｏ               ｓｏ               ｃｏｕｌｄ               ｒｅｓｕｌｔ               ｉｎ               ｆｉｎｅｓ,               ｐｅｎａｌｔｉｅｓ,               ａｎｄ               ｅｖｅｎ               ｌａｗｓｕｉｔｓ               ａｇａｉｎｓｔ               ｔｈｅ               ｃｏｍｐａｎｙ. Ｔｈｉｒｄ               ｐａｒｔｙ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｉｅｓ               ａｒｅ               ｏｎｌｙ               ａｌｌｏｗｅｄ               ｔｏ               ｃｏｎｔａｃｔ               ｄｅｂｔｏｒｓ               ｂｅｔｗｅｅｎ               ｔｈｅ               ｈｏｕｒｓ               ｏｆ               8ａｍ               ａｎｄ               9ｐｍ,               ｌｏｃａｌ               ｔｉｍｅ               ｔｏ               ｔｈｅ               ｄｅｂｔｏｒ.                Ｔｈｉｒｄ               ｐａｒｔｙ               ｄｅｂｔ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｉｅｓ               ａｒｅ               ｎｏｔ               ａｌｌｏｗｅｄ               ｔｏ               ｐｈｏｎｅ               ｄｅｂｔｏｒｓ               ａｔ               ｔｈｅｉｒ               ｐｌａｃｅ               ｏｆ               ｅｍｐｌｏｙｍｅｎｔ               ｉｆ               ｔｈｅ               ｄｅｂｔｏｒ               ｈａｓ               ｎｏｔｉｆｉｅｄ               ｔｈｅ               ａｇｅｎｃｙ               ｔｈａｔ               ｔｈｅ               ｎｕｍｂｅｒ               ｔｈｅｙ               ａｒｅ               ｄｉａｌｉｎｇ               ｉｓ               ｉｎｄｅｅｄ               ｆｏｒ               ｔｈｅｉｒ               ｅｍｐｌｏｙｅｒ               ａｎｄ               ｔｈａｔ               ｔｈｅｙ               ｃｏｕｌｄ               ｓｕｆｆｅｒ               ｄｉｓｃｉｐｌｉｎａｒｙ               ｍｅａｓｕｒｅｓ               ｉｆ               ｔｈｅ               ｃａｌｌｓ               ｃｏｎｔｉｎｕｅ.                Ｔｈｉｒｄ               ｐａｒｔｙ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｔｓ               ａｒｅ               ｎｏｔ               ａｌｌｏｗｅｄ               ｔｏ               ｐｈｏｎｅ               ａｎｙ               ｎｕｍｂｅｒ               ｔｈａｔ               ｔｈｅ               ｏｗｎｅｒ               ｏｆ               ｔｈｅ               ｎｕｍｂｅｒ               ｈａｓ               ｓｔａｔｅｄ               ｉｓ               ａ               ｃｅｌｌｕｌａｒ               ｎｕｍｂｅｒ               ｔｈａｔ               ｗｏｕｌｄ               ｉｎｃｕｒ               ｃｈａｒｇｅｓ               ａｓ               ａ               ｒｅｓｕｌｔ               ｏｆ               ｔｈｅ               ｃａｌｌ. Ｔｈｅ               ａｇｅｎｃｙ               ｍａｙ               ａｓｋ               ｔｈａｔ               ｙｏｕ               ｓｅｎｄ               ｔｈｅ               ｒｅｑｕｅｓｔ               ｉｎ               ｗｒｉｔｉｎｇ. Ｉｆ               ｔｈｅｙ               ｄｏ,               ｂｅ               ｓｕｒｅ               ｔｏ               ｃｏｍｐｌｙ.                Ｔｈｉｒｄ               ｐａｒｔｙ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｔｓ               ｍａｙ               ｓｐｅａｋ               ｏｎｌｙ               ｔｏ               ｔｈｅ               ｄｅｂｔｏｒ,               ｔｈｅｉｒ               ｓｐｏｕｓｅ,               ａｎｄ               ｔｈｅｉｒ               ｐｏｗｅｒ               ｏｆ               ａｔｔｏｒｎｅｙ,               ａｓ               ｌｏｎｇ               ａｓ               ｔｈｅ               ａｇｅｎｃｙ               ｈａｓ               ａ               ＰＯＡ               ｌｅｔｔｅｒ               ｏｎ               ｆｉｌｅ               ｆｏｒ               ｔｈｅ               ｄｅｂｔｏｒ. Ａｎｏｔｈｅｒ               ｅｘｃｅｐｔｉｏｎ               ｔｏ               ｔｈｉｓ               ｌａｗ               ｉｓ               ｉｆ               ｔｈｅ               ｄｅｂｔｏｒ               ｉｓ               ａ               ｍｉｎｏｒ               ｉｎ               ｔｈｅｉｒ               ｒｅｓｐｅｃｔｉｖｅ               ｓｔａｔｅ. Ｉｆ               ｔｈｅ               ｐｅｒｓｏｎ               ａｎｓｗｅｒｉｎｇ               ｔｈｅ               ｐｈｏｎｅ               ｄｏｅｓ               ｎｏｔ               ｉｄｅｎｔｉｆｙ               ｔｈｅｍｓｅｌｖｅｓ               ａｓ               ａｎｙ               ｏｆ               ｔｈｏｓｅ               ｐｅｏｐｌｅ,               ｔｈｅ               ａｇｅｎｃｙ               ｍａｙ               ｌｅａｖｅ               ａ               ｍｅｓｓａｇｅ               ｆｏｒ               ｔｈｅ               ｄｅｂｔｏｒ,               ｂｕｔ               ｔｈｅ               ｍｅｓｓａｇｅ               ｍｏｓｔ               ｎｏｔ               ｉｎ               ａｎｙｗａｙ               ｉｎｄｉｃａｔｅ               ｔｈａｔ               ｔｈｅ               ｃｏｍｐａｎｙ               ｉｓ               ａ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｙ. Ｆｏｒ               ｅｘａｍｐｌｅ,               ｉｆ               ｔｈｅ               ｃｏｍｐａｎｙ               ｎａｍｅ               ｉｓ               Ｓｔｒａｔｅｇｉｃ               Ｃｏｌｌｅｃｔｉｏｎｓ               Ｉｎｃｏｒｐｏｒａｔｅｄ,               ｔｈｅ               ａｇｅｎｔ               ｍａｙ               ｎｏｔ               ｇｉｖｅ               ｔｈａｔ               ｎａｍｅ,               ｂｕｔ               ｍａｙ               ｓｉｍｐｌｙ               ｓａｙ               "ＳＣＩ"               ａｎｄ               ｔｈａｔ               ｔｈｅｙ               ａｒｅ               ｃａｌｌｉｎｇ               ｉｎ               ｒｅｇａｒｄｓ               ｔｏ               "ａ               ｐｅｒｓｏｎａｌ               ｂｕｓｉｎｅｓｓ               ｍａｔｔｅｒ",               ｆｏｒ               ｅｘａｍｐｌｅ.                Ａ               ｔｈｉｒｄ               ｐａｒｔｙ               ｃｏｌｌｅｃｔｉｏｎ               ｃｅｎｔｅｒ               ｃａｌｌ               ａｇｅｎｔ               ｔｙｐｉｃａｌｌｙ               ｉｓ               ｎｏｔ               ａｌｌｏｗｅｄ               ｔｏ               ｃｏｎｔａｃｔ               ｔｈｅ               ｃｒｅｄｉｔｏｒ               ｄｉｒｅｃｔｌｙ. Ｔｈｉｓ               ｍｅａｎｓ               ｔｈａｔ               ｂｅｃａｕｓｅ               ａ               ｃｕｓｔｏｍｅｒ               ｓａｙｓ               "Ｂｕｔ               ｔｈｅｙ               ｓａｉｄ               ｔｈａｔ               ｔｈｅｙ               ｔｏｏｋ               ｃａｒｅ               ｏｆ               ｔｈａｔ! Ｃａｌｌ               'Ｆｉｎｋ               Ｓｈｏｐ               Ｍａｒｔ'               ａｎｄ               ａｓｋ               ｔｈｅｍ!',               ｔｈａｔ               ｔｈｅ               ｃｏｌｌｅｃｔｏｒ               ｓｉｍｐｌｙ               ｃａｎｎｏｔ               ｄｏ               ｓｏ. Ｉｔ               ｉｓ               ａ               ｖｉｏｌａｔｉｏｎ               ｏｆ               ｐｒｉｖａｃｙ               ｌａｗｓ               ｆｏｒ               ｔｈｅ               ａｇｅｎｔ               ｔｏ               ｄｏ               ｓｏ.                Ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｔｓ               ｍａｙ               ｎｏｔ               ｕｓｅ               ｐｒｏｆａｎｅ               ｏｒ               ｔｈｒｅａｔｅｎｉｎｇ               ｌａｎｇｕａｇｅ               ｔｏｗａｒｄｓ               ａ               ｄｅｂｔｏｒ. Ｔｈｉｓ               ｉｓ               ａ               ｈｕｇｅ               "Ｎｏ-Ｎｏ"               ａｎｄ               ｉｓ               ａｌｓｏ               ａ               ｖｉｏｌａｔｉｏｎ               ｏｆ               ｌａｗ. Ｕｎｆｏｒｔｕｎａｔｅｌｙ,               ｉｔ               ｉｓ               ｔｈｅｓｅ               ｋｉｎｄｓ               ｏｆ               ｕｎｅｔｈｉｃａｌ               ａｐｐｒｏａｃｈｅｓ               ａｎｄ               ｔａｃｔｉｃｓ               ｔｈａｔ               ｇｉｖｅ               ｇｏｏｄ               ａｎｄ               ｅｔｈｉｃａｌ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｔｓ               ａ               ｂａｄ               ｒａｐ.                Ｈｏｗ               ｔｏ               Ｇｅｔ               Ｒｉｄ               ｏｆ               Ａｎｎｏｙｉｎｇ               Ｄｅｂｔ               Ｃｏｌｌｅｃｔｏｒｓ                Ｕｎｆｏｒｔｕｎａｔｅｌｙ,               ｔｈｅ               ｂｅｓｔ               ｗａｙ               ｔｏ               ｇｅｔ               ｒｉｄ               ｏｆ               ａｎ               ａｎｎｏｙｉｎｇ               ｄｅｂｔ               ｃｏｌｌｅｃｔｏｒ               ｉｎ               ｒｅｇａｒｄｓ               ｔｏ               ａ               ｖａｌｉｄ               ｄｅｂｔ               ｉｓ               ｓｉｍｐｌｙ               ｂｙ               ｐａｙｉｎｇ               ｔｈｅ               ｄｅｂｔ. Ｓｏｍｅ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｉｅｓ               ｈａｖｅ               ａｒｒａｎｇｅｍｅｎｔｓ               ｗｉｔｈ               ｔｈｅｉｒ               ｃｌｉｅｎｔｓ               ｔｈａｔ               ｍａｙ               ａｌｌｏｗ               ｆｏｒ               ｔｈｅｍ               ｔｏ               ｗｏｒｋ               ｗｉｔｈ               ａ               ｄｅｂｔｏｒ               ｔｏ               ｃｏｌｌｅｃｔ               ａ               ｌｏｗｅｒ               ｔｏｔａｌ               ｌｕｍｐ               ｓｕｍ               ｐａｙｍｅｎｔ               ｏｒ               ｔｏ               ｓｅｔ               ｕｐ               ａ               ｐａｙｍｅｎｔ               ｐｌａｎ. Ｄｏ               ｎｏｔ               ｂｅ               ｓｕｒｐｒｉｓｅｄ,               ｈｏｗｅｖｅｒ,               ｉｆ               ｔｈｅ               ａｇｅｎｃｙ               ｄｏｅｓ               ｎｏｔ.                Ｉｆ               ｙｏｕ               ａｒｅ               ｕｎｃｅｒｔａｉｎ               ａｂｏｕｔ               ｔｈｅ               ｂｉｌｌ,               ａｓｋ               ｔｈａｔ               ｔｈｅ               ｃｏｍｐａｎｙ               ｓｅｎｄ               ｙｏｕ               ａ               ｗｒｉｔｔｅｎ               ｎｏｔｉｃｅ               ｏｆ               ｔｈｅ               ｄｅｂｔ. Ｔｈｅｙ               ｍｕｓｔ               ｃｏｍｐｌｙ. Ｖｅｒｉｆｙ               ｔｈｅ               ｖａｌｉｄｉｔｙ               ｏｆ               ｔｈｅ               ｉｎｆｏｒｍａｔｉｏｎ               ｃｏｎｔａｉｎｅｄ               ｉｎ               ｔｈｅ               ｂｉｌｌ. Ｉｆ               ｉｔ               ｉｓ               ｉｎｃｏｒｒｅｃｔ,               ｃａｌｌ               ｔｈｅ               ｃｏｍｐａｎｙ               ｔｏ               ｎｏｔｉｆｙ               ｔｈｅｍ               ａｎｄ               ｂｅ               ｐｒｅｐａｒｅｄ               ｔｏ               ｓｅｎｄ               ｔｈｅｍ               ａ               ｗｒｉｔｔｅｎ               ｌｅｔｔｅｒ               ｏｆ               ｄｉｓｐｕｔｅ,               ｈｉｇｈｌｉｇｈｔｉｎｇ               ｗｈｙ               ｔｈｅ               ｉｎｆｏｒｍａｔｉｏｎ               ｉｓ               ｉｎｃｏｒｒｅｃｔ. Ｂｅ               ｓｕｒｅ               ｔｏ               ｍａｋｅ               ａ               ｃｏｐｙ               ｏｆ               ｔｈｅ               ｌｅｔｔｅｒ               ｆｏｒ               ｙｏｕｒｓｅｌｆ               ａｎｄ               ｔｏ               ｓｅｎｄ               ｉｔ               ｃｅｒｔｉｆｉｅｄ               ｍａｉｌ               ｗｉｔｈ               ｒｅｔｕｒｎ               ｒｅｃｅｉｐｔ. Ｉｆ               ｉｔ               ａｐｐｅａｒｓ               ｔｏ               ｂｅ               ａｎ               ｉｎｃｉｄｅｎｔ               ｏｆ               ｉｄｅｎｔｉｔｙ               ｔｈｅｆｔ               ｏｒ               ｆｒａｕｄ,               ｂｅ               ｐｒｅｐａｒｅｄ               ｔｏ               ｓｅｎｄ               ｔｈｅ               ｃｏｍｐａｎｙ               ａｌｌ               ｌｅｇａｌ               ｄｏｃｕｍｅｎｔａｔｉｏｎ               ｏｆ               ｔｈｅ               ｍａｔｔｅｒ               ｉｎｃｌｕｄｉｎｇ               ａ               ｃｏｐｙ               ｏｆ               ｔｈｅ               ｐｏｌｉｃｅ               ｒｅｐｏｒｔ               ｏｒ               ｉｎｆｏｒｍａｔｉｏｎ               ｃｏｎｃｅｒｎｉｎｇ               ｗｈｅｒｅ               ｔｈｅ               ｒｅｐｏｒｔ               ｉｓ               ｆｉｌｅｄ               ａｎｄ               ｔｈｅ               ｉｎｃｉｄｅｎｔ               ｎｕｍｂｅｒ               ｏｆ               ｔｈｅ               ｒｅｐｏｒｔ.                Ｉｆ               ｙｏｕ               ｄｅｓｉｒｅ               ｆｏｒ               ｐｈｏｎｅ               ｃｏｍｍｕｎｉｃａｔｉｏｎｓ               ｔｏ               ｃｅａｓｅ               ｅｎｔｉｒｅｌｙ,               ｙｏｕ               ｍｕｓｔ               ｎｏｔｉｆｙ               ｔｈｅ               ｃｏｍｐａｎｙ               ｉｎ               ｗｒｉｔｉｎｇ               ｔｈａｔ               ｙｏｕ               ｗｏｕｌｄ               ｌｉｋｅ               ｆｏｒ               ｔｈｅｍ               ｔｏ               ｎｏ               ｌｏｎｇｅｒ               ｃｏｎｔａｃｔ               ｙｏｕ               ｖｉａ               ｔｅｌｅｐｈｏｎｅ. Ｂｅ               ｓｕｒｅ               ｔｏ               ｉｎｃｌｕｄｅ               ａｎｙ               ｋｎｏｗｎ               ｏｐｅｎ               ａｃｃｏｕｎｔｓ               ｗｉｔｈ               ｔｈｅ               ｃｏｍｐａｎｙ               ａｓ               ｗｅｌｌ               ａｓ               ｙｏｕｒ               ｎａｍｅ               ａｎｄ               ｔｅｌｅｐｈｏｎｅ               ｎｕｍｂｅｒ. Ｔｈｅ               ｃｏｍｐａｎｙ               ｍａｙ               ｃｏｎｔａｃｔ               ａ               ｄｅｂｔｏｒ               ｂｙ               ｐｈｏｎｅ               ａｔ               ｌｅａｓｔ               ｏｎｅ               ｔｉｍｅ,               ｐｅｒ               ｒｅａｃｈ               ｒｅｃｅｉｖｅｄ               ａｃｃｏｕｎｔ. Ｂｅ               ｓｕｒｅ               ｔｏ               ｍａｋｅ               ａ               ｃｏｐｙ               ｏｆ               ｔｈｅ               ｌｅｔｔｅｒ               ｔｏ               ｋｅｅｐ               ｆｏｒ               ｙｏｕｒ               ｒｅｃｏｒｄｓ               ａｎｄ               ｓｅｎｄ               ｔｈｅ               ｌｅｔｔｅｒ               ｏｕｔ               ｂｙ               ｃｅｒｔｉｆｉｅｄ               ｍａｉｌ. Ｔｈｅ               ａｇｅｎｃｙ               ｈａｓ               ｔｈｉｒｔｙ               ｄａｙｓ               ｔｏ               ｃｏｍｐｌｙ               ａｎｄ               ｕｐｄａｔｅ               ａｌｌ               ａｃｃｏｕｎｔｓ,               ｃｕｒｒｅｎｔ               ａｔ               ｔｈｅ               ｔｉｍｅ,               ｔｏ               ｒｅｆｌｅｃｔ               ｔｈｅ               ｃｈａｎｇｅ.                Ｗｈａｔ               Ｅｌｓｅ               Ｓｈｏｕｌｄ               ｉｓ               Ｔｈｅｒｅ               ｔｏ               Ｋｎｏｗ?                Ａ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｙ               ｐｈｏｎｉｎｇ               ｙｏｕｒ               ｎｕｍｂｅｒ               ｓｉｘ               ｔｉｍｅｓ               ａ               ｄａｙ               ｂｕｔ               ｒｅｃｅｉｖｉｎｇ               ｎｏ               ａｎｓｗｅｒ               ｄｏｅｓ               ｎｏｔ               ｃｏｎｓｔｉｔｕｔｅ               ｈａｒａｓｓｍｅｎｔ               ｃｈａｒｇｅｓ. Ｉｎ               ｏｒｄｅｒ               ｆｏｒ               ｃａｌｌｓ               ｔｏ               ｃｅａｓｅ,               ｔｈｅｙ               ｍｕｓｔ               ｆｉｒｓｔ               ｂｅ               ｎｏｔｉｆｉｅｄ               ｔｈａｔ               ｔｈｅ               ｄｅｂｔｏｒ               ｗｏｕｌｄ               ｌｉｋｅ               ｆｏｒ               ｔｈｅｍ               ｔｏ               ｓｔｏｐ,               ｂｕｔ               ｉｔ'ｓ               ｉｍｐｏｓｓｉｂｌｅ               ｔｏ               ｄｏ               ｔｈａｔ               ｗｉｔｈｏｕｔ               ｆｉｒｓｔ               ｓｐｅａｋｉｎｇ               ｔｏ               ｔｈｅ               ｄｅｂｔｏｒ               ｏｒ               ｒｅｃｅｉｖｉｎｇ               ｗｒｉｔｔｅｎ               ｎｏｔｉｃｅ.                Ａ               ｔｈｉｒｄ               ｐａｒｔｙ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｙ               ｍａｙ               ｌｅｇａｌｌｙ               ｃｏｎｔａｃｔ               ｏｔｈｅｒｓ               ｉｎ               ａｎ               ａｔｔｅｍｐｔ               ｔｏ               ｃｏｎｔａｃｔ               ａ               ｄｅｂｔｏｒ. Ｔｈｉｓ               ｉｓ               ｋｎｏｗｎ               ａｓ               ｓｋｉｐ               ｔｒａｃｉｎｇ,               ａｎｄ               ｉｔ               ｉｓ               ａ               ｌｅｇａｌ               ｐｒａｃｔｉｃｅ. Ｗｈａｔ               ｉｓ               ｎｏｔ               ｌｅｇａｌ,               ｈｏｗｅｖｅｒ,               ｉｓ               ａ               ｔｈｉｒｄ               ｐａｒｔｙ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｔ               ｄｉｓｃｕｓｓｉｎｇ               ｔｈｅ               ｄｅｔａｉｌｓ               ｏｆ               ｔｈｅ               ｄｅｂｔ               ｔｏ               ｆｒｉｅｎｄｓ               ａｎｄ               ｒｅｌａｔｉｖｅｓ.                Ｆｏｒ               ｍｏｒｅ               ｉｎｆｏｒｍａｔｉｏｎ               ａｂｏｕｔ               ｔｈｅ               Ｆａｉｒ               Ｄｅｂｔ               Ｃｏｌｌｅｃｔｉｏｎ               Ｐｒａｃｔｉｃｅｓ               Ａｃｔ,               ｖｉｓｉｔ               ｔｈｅ               ＦＴＣ'ｓ               ＦＤＣＰＡ               ｐａｇｅ               ｈｅｒｅ. Ｉｆ               ｙｏｕ               ｈａｖｅ               ｂｅｅｎ               ｔｈｅ               ｖｉｃｔｉｍ               ｏｆ               ａｎ               ａｂｕｓｅ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｙ               ｏｒ               ａｇｅｎｔ,               ｔｈｅ               ＦＴＣ               ｍａｙ               ｂｅ               ａｂｌｅ               ｔｏ               ｈｅｌｐ               ｙｏｕ. Ｖｉｓｉｔ               ｔｈｅ               Ｆｅｄｅｒａｌ               Ｔｒａｄｅ               Ｃｏｍｍｉｓｓｉｏｎ               ｗｅｂｓｉｔｅ               ｔｏ               ｌｅａｒｎ               ｍｏｒｅ.

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