Let ME Fight For Your Rights!

January 25, 2016

 

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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