Hmbr Arc Rec- What are Roles and Restrictions on a Debt Collector

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Everyone takes credits from credit cards, through banks, and other loan methods but sometimes your bill or debts remain unpaid, then a collection agency like Hmbr Arc Rec begins to contact you to collect money on the behalf of the creditors. This can happen in the case of credit cards, medical bills, mortgages, and personal loans. So now the question is how collection agencies work? In some cases, they can act as middlemen on behalf of the creditor to collect your debt and they may purchase your debt from the creditor at a discount. And this will happen when the creditor has decided to collect payment by selling your debt to a collection agency. Collection agencies can take these debts, if you decide to pay the debt, the agency will keep the collected money. 


Role of collection agency:

A collection agency starts sending you messages and letters to collect the payoff debt. But always remember the debt collector should not contact you at inconvenient times like before 8 in the morning or after 9 at night. A debt collector should not call you at work. Within five days after the debt collection agency builds contact, you will get a written validation notice about how much money you have to pay, details of the creditor, and how to go forward if you don’t think you owe the money.

Restriction on debt collectors:

  • A debt collector should not harass or threaten you.

  • He can’t use inappropriate language when speaking to you.

  • He can not provide false credit information about you to anyone, including a credit reporting company.

  • He should not publish your name in a list of people who refuse to pay their debts. 

  • A debt collector should not guide you with wrong statements, such as that you have committed a crime or owe more than you do in reality.

  • He can’t force you to collect any interest, or another charge on top of the amount you owe unless state law allows the charge.

  • If you do not trust that you owe the money the debt collector is contacting you about, you can send the debt collector an official letter stating that you do not owe any of the money. 


When first contacted by a collection agency like Hmbr Arc Rec, it’s best to keep things as short as possible by requesting the information in writing. 
Location: 2155 E Warner Rd, Tempe, AZ 85284, USA

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