When you accept and use a credit card, your are acknowledging your responsibility as a Tennessee consumer to pay on the debt. Also part of this agreement is the right of the creditor to seek payment of the debt. However, this does not mean that a creditor can do anything they want whenever they want in order to secure payment. There are clear guidelines around the practices that are approved for use as part of a means to collect debt. It is important that you understand your rights here as a consumer to protect yourself against unfair treatment by a creditor or other debt collector.
As explained by the Federal Trade Commission, any company wanting to contact you regarding a debt allegedly owed by you may only do so during certain times of the day per the Fair Debt Collection Practices Act. This law also governs the means by which a debt collector may contact you and where they may contact you. No debt collector can contact you at work, for example, unless you indicate that it is acceptable to do so.
Debt collectors may also not contact your employer, friends or family members other than your spouse and discuss the nature of your alleged debt with them. Contact with employers or other individuals is permitted in order to obtain details on how to contact you.
This information is not intended to provide legal advice but is instead meant to give Tennessee residents a basic understanding of how the Fair Debt Collection Practices Act is designed to protect them from inappropriate debt collection practices.