{"id":1046,"date":"2020-03-12T01:38:35","date_gmt":"2020-03-12T01:38:35","guid":{"rendered":"http:\/\/midwestfidelity.com\/busi\/?p=1046"},"modified":"2020-03-12T01:38:35","modified_gmt":"2020-03-12T01:38:35","slug":"why-you-need-to-hire-a-reputable-debt-collection-agency","status":"publish","type":"post","link":"https:\/\/midwestfidelity.com\/solutions\/why-you-need-to-hire-a-reputable-debt-collection-agency\/","title":{"rendered":"Why You Need To Hire A Reputable Debt Collection Agency"},"content":{"rendered":"<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-right:15%;--awb-padding-left:15%;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"--awb-bg-size:cover;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-1\"><p>When it comes to the debt collection process there are two \u201csides\u201d\u2014the side of the consumer and the side of the creditor. Today we are going to focus on the creditor-side process. The\u00a0<a href=\"https:\/\/www.ftc.gov\/enforcement\/rules\/rulemaking-regulatory-reform-proceedings\/fair-debt-collection-practices-act-text\">Fair Debt Collection Practices Act<\/a>, under the authority of the Federal Trade Commission, is the primary law governing debt collection processes. The act provides the federal government the authority to levy fines and penalties on collection agencies who are in violation of the codes specified in the act.<\/p>\n<p>State laws also play an important part in debt collection governance. State laws stipulate things such as when a when and how a consumer can be contacted, who the creditor may contact about the debt, and the time frame in which a creditor can take action through the courts. In some states, for example, you are only allowed to contact the owner of the debt and you are barred from contacting anyone else, such as a spouse or employer.<\/p>\n<\/div><div class=\"fusion-image-element fusion-image-align-center in-legacy-container\" style=\"text-align:center;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><div class=\"imageframe-align-center\"><span class=\" fusion-imageframe imageframe-none imageframe-1 hover-type-none\"><img decoding=\"async\" width=\"760\" height=\"507\" alt=\"Manager is holding document with title Debt collection.\" title=\"Shaking hands\" src=\"http:\/\/midwestfidelity.com\/busi\/wp-content\/uploads\/2020\/03\/2.png\" class=\"img-responsive wp-image-1047\" srcset=\"https:\/\/midwestfidelity.com\/solutions\/wp-content\/uploads\/2020\/03\/2-200x133.png 200w, https:\/\/midwestfidelity.com\/solutions\/wp-content\/uploads\/2020\/03\/2-400x267.png 400w, https:\/\/midwestfidelity.com\/solutions\/wp-content\/uploads\/2020\/03\/2-600x400.png 600w, https:\/\/midwestfidelity.com\/solutions\/wp-content\/uploads\/2020\/03\/2.png 760w\" sizes=\"(max-width: 1000px) 100vw, 760px\" \/><\/span><\/div><\/div><div class=\"fusion-sep-clear\"><\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"margin-left: auto;margin-right: auto;margin-top:3%;width:100%;\"><\/div><div class=\"fusion-sep-clear\"><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":1047,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1046","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/midwestfidelity.com\/solutions\/wp-json\/wp\/v2\/posts\/1046","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/midwestfidelity.com\/solutions\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/midwestfidelity.com\/solutions\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/midwestfidelity.com\/solutions\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/midwestfidelity.com\/solutions\/wp-json\/wp\/v2\/comments?post=1046"}],"version-history":[{"count":1,"href":"https:\/\/midwestfidelity.com\/solutions\/wp-json\/wp\/v2\/posts\/1046\/revisions"}],"predecessor-version":[{"id":1054,"href":"https:\/\/midwestfidelity.com\/solutions\/wp-json\/wp\/v2\/posts\/1046\/revisions\/1054"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/midwestfidelity.com\/solutions\/wp-json\/wp\/v2\/media\/1047"}],"wp:attachment":[{"href":"https:\/\/midwestfidelity.com\/solutions\/wp-json\/wp\/v2\/media?parent=1046"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/midwestfidelity.com\/solutions\/wp-json\/wp\/v2\/categories?post=1046"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/midwestfidelity.com\/solutions\/wp-json\/wp\/v2\/tags?post=1046"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}