Let ME Fight For Your Rights!
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.