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Fair Debt Collection Practices Act (FDCPA) protects you, the consumer, from the harassing tactics of debt collectors and insures you damages of up to $1,000, plus your attorney fees. So... you don’t pay us, the collectors do!

Examples of harassing tactics collectors take that are in violation of the FDCPA:

  • Lying or deceiving when trying to collect a debt

  • Calling you with the intent to harass you

  • Threatening violence or using profane language when speaking with you

  • Telling your friends, neighbors, employers and spouse that you owe a debt (whether on purpose or not!)

  • Threatening to sue you

  • Deceiving you into believing they are a law firm or law department (Pre legal – Collections)

  • Thretening to ruin your credit (even when they don’t plan to report)

  • Charing interest not authorized by the agreement creating the debt

  • Depositing a post dated check prior to the date you authorized

  • Contacting you at work

  • Contacting you at an inconvenient place or an inconvenient time

  • Sending you information on a post card

  • Failing to mail you to give you the opportunity to challenge the alleged debt

  • Not disclosing that the call is an attempt to collect a debt

Even if the Collector just left a message all of these apply.

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© 2014 by The Prado Law Firm

This website is attorney advertising: prior results do not guarantee a similar outcome. This is not legal advice. David Prado, Esq., is the Georgia attorney responsible for this advertisement.Do not assume that you are entitled to any compensation as a result of the consumer complaints you have. Compensation for potential legal violations, and any results obtained, depends upon the specific factual and legal circumstances of each case.

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