We know how frustrating it can be when consumers are dealing with overly aggressive collections. Whether or not you owe a debt that has been passed to collection agencies, you can receive annoying and sometimes unlawful collection calls and letters.
Debt collectors are governed by strict federal law under the Fair Debt Collection Practices Act (“FDCPA”). The FDCPA places restrictions on debt collectors conduct, including prohibiting them from:
- Calling you before 8am or after 9pm
- Contacting you at work if you have asked them not to if your employer prohibits such calls
- Contacting you repeatedly within a day or week in an attempt to harass, intimidate or abuse
- Making false statements in their attempt to collect the debt, including misrepresenting the amount you owe, falsely claiming to be an attorney, or using misleading stationary to look like an official court or government communication
- Threatening to take legal action against you that is not intended or permitted by law
- Threatening you with misleading consequences if you do not pay the debt
The FDCPA also requires that a debt collector provide you with exactly how much you owe and who that original debt is owed to, and they must give you 30 days to contest the debt.
If a debt collector has failed to follow these FDCPA requirements, they may be held accountable to you for actual damages you’ve incurred as a result. In addition, we can help you pursue damages that could compensate you for up $1,000 per violation.