Fair Debt Collection Practices Act
The Fair Debt Collection Practices Act prevents debt
collectors and creditors from engaging in unscrupulous activity in order to
collect on a debt. The act has several stipulations that creditors and debt collectors
must follow to fairly collect on a debt, including but not limited to:
A debt collector cannot claim that he or she is
a government employee or an attorney.
A debt collector cannot claim that failure to
pay the debt will result in the consumer being arrested or having his or her
A debt collector cannot use unscrupulous or
deceptive means to collect on a debt.
A debt collector cannot threaten to deposit
A debt collector cannot threaten legal action
that is impossible.
A debt collector cannot communicate incorrect or
untrue information about a consumer’s credit.
A debt collector cannot be abusive to you.
A debt collector cannot wrongfully report your
bad debt to credit agencies.
If you believe
that you have been contacted by creditors or debt collectors that have violated
the Fair Debt Collection Practices Act, it is important that you consult with
an experienced consumer law attorney as soon as possible. I have represented a
number of individuals when creditors have violated the FDCPA, and have
successfully stopped the harassment, threats, abuse and other unfair debt
collection practices. In some cases I have even been able to recover a
settlement for my clients.
If you are being harassed by creditors, you have options.
Let an experienced Attorney review your case and protect your rights.
Contact us today to discuss your case