Fair Debt Collection Practices Act (FDCPA) Violations
The Fair Debt Collection Practices Act (FDCPA) protects consumers from abusive and unscrupulous debt collection practices.
If debt collectors or debt collectors’ attorneys do not follow Fair Debt Collection laws, we can help you protect your rights.
The following conduct is prohibited by the FDCPA:
• Calling a debtor between the hours of 9 p.m. and 8 a.m.
• Continuing to contact a debtor after receiving a request to cease communication
• Intentionally causing a nuisance by calling a phone number for a debtor and letting the line ring continuously
• Contacting a debtor at their place of employment after being asked not to do so by an employer
• Pretending to be a law enforcement officer when attempting to collect a debt
• Providing any type of false information related to the debt
• Making the debtor’s identity public knowledge
• Charging unusually large fees or penalties in addition to the amount owed
• Claiming that the collection agency has the right to have the debtor arrested
• Using profane language when communicating with a debtor
• Attempting to embarrass the debtor by communicating with friends, family members or neighbors
• Sending false information to credit reporting agencies
When attempting to collect debt, collectors must follow specific Fair Debt Collection Practices laws, which include the following:
• Providing the debtor with information about the identity of the collector and the agency they are representing
• Offering information about the original creditor if the debt has been sold to a collection agency
• Ensuring that the debtor is aware of their rights in relation to disputing debts
• Complying with any requests from the consumer to verify that the debt is owed and that the amount that is being requested is accurate
• Using the proper procedure for filing a lawsuit against a debtor
As you can see, there are several potential actions a debt collector can take which may constitute FDCPA violations. It pays to know the debt collection laws. Let our knowledge be your power.
If you feel that your FDCPA rights have been violated, contact us immediately. We are on your side!