Are you fielding phone calls and other communication attempts from debt collectors? You need to learn about your rights under the Fair Debt Collection Practices Act (FDCPA).
Know your rights under Fair Debt Collection Practices Act
The Fair Debt Collection Practices Act is the federal law that protects you from third-party debt collectors. This statute limits the ways in which the debt collectors can attempt to collect on your debts. It restricts behaviors like the time of day they can or cannot call you, the number of times they can contact you, and the general methods of contacting you.
That means that you get to be in control of the situation.
The statute covers communication practices, harassment or abuse, false representations, unfair practices, and much more.
If you think debt collection agencies have violated this law, contact us today. We will review your case for free. Debt collectors who violate the Fair Debt Collection Practices Act will owe you $1,000 and will pay all legal fees. You have nothing to lose.
Control Communication with Debt Collectors
In either writing or on the phone, debt collectors should only inform you about the debt that is owed and request payment. There are some instances where collectors can work out a payment plan or settlement with you to help pay down the debt owed.
You have every right to ask debt collectors for information such as their name, the agency or firm that they represent, and the amount of debt you owe. You can keep a record of any communication, including phone calls, voicemails, and any written communication. This record may help prove an unlawful pattern of communication.
In our experience, we find that there are instances where debt collectors overstep. They may give you an incorrect amount of debt owed. They may leave an embarrassing voicemail that is overheard by a family member or a co-worker. They may misrepresent themselves to you. They may call at the wrong time of day. Learn more about debt collection calls and communications.
These are all violations of the Fair Debt Collection Practices Act. Debt collectors must be truthful, and they must give you the correct amount of the debt you owe. Debt collectors may leave voicemails, but they cannot be overheard by anyone other than you. Debt collectors have to tell you where they are calling from, they may not misrepresent themselves to you. The FDCPA states that may not call before 8 am and after 9 pm.
Protect Yourself Against Abuse
The Fair Debt Collection Practices Act protects you from threats, harassment, and abuse from debt collectors. These tactics are ways insight fear and to pressure you into paying the debt you owe, and they are not legal. A debt collector cannot use scare tactics on you or threaten legal action. This behavior is illegal and damaging to you during this uncertain time. You will need to keep a record of conversations like this, and any other menacing communication.
If you are experiencing any issues with your debt collectors, contact us for a free review of your case. There are no legal fees paid by you, and you could receive $1,000 per debt collector if they are found in violation of the Fair Debt Collection Practice Act.