Debt Collector Abuse

Proctect Yourself From Abusive Debt Collectors

debt collector abuse

Just because you are behind on payments, or havent been able to pay your bills when due, does not mean your creditors have the right to harass or belittle you. Believe it or not, there are laws which protect your rights to ensure creditors do not harass, oppress or abuse you in their efforts to collect on past bills. This law is called the Fair Debt Collection Practice Act or FDCPA for short. Just a few of the activities which would cause a creditor to violate the law include:

  1. Asking you to pay more than you owe
  2. Asking you to pay interest, fees, or expenses that are not allowed by law
  3. Calling repeatedly or continuously
  4. Using obscene, profane, or abusive language
  5. Calling before 8:00 am or after 9:00 pm
  6. Calling at times the collector knew or should know are inconvenient
  7. Using or threaten to use violence if you dont pay the debt
  8. Threatening action they cannot or will not take
  9. Illegally informing a third party about your alleged debt
  10. Repeatedly calling a third party to get your location information

If you believe you have been the victim of any of these abusive tactics be sure to keep an accurate record/log of all violations including date, time, and summary of the conversation. If you have been a victim of a FDCPA violation, the law provides the debt collector must generally pay your attorney fees and damages as a result of their conduct. Call our office today if you believe you have been the victim of any of the above violations.

National Association of Bankruptcy Attorneys
American Consumer Bankruptcy College

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