Fair Debt Collection Practices Act
The Fair Debt Collection Practices Act is meant to protect the rights of consumers and prevent debt collectors from using deceptive or abusive practices to collect a debt. This law grants debtors the right to sue debt collectors for their violation of the law. The FDCPA covers most types of debts including mortgage debt, medical bills, car loans, and credit card debts. If you believe that your creditor or debt collector has violated the law, speak with a bankruptcy attorney from our firat The Fox Valley Legal Group today.
Not only is it illegal for a creditor to harass a debtor, it is also illegal to make deceptive statements about the debt that is owed. Examples of harassing behavior include:
- Threats
- Profane Language
- Calling repetitively with the intent to disturb
- Lying about the amount which is owed
- Threatening to put the debtor in jail
- Contacting co-workers about debts
- Contacting neighbors about debts
- Falsely posing as an attorney
- Falsely posing as a government employee
- Stating that your wages will be garnished (unless they intend to do so)
- Stating that your property will be sold (unless they intend to do so)
- Stating that they will take legal action against you when they do not intend to do so
- Reporting false information to a credit reporting agency
Fighting Back Against Debt Collection Harassment
If you believe you have experienced creditor harassment, you don't have to sit back and accept it. Our attorneys will fight for our clients' rights and stand up for their fair treatment. We believe that if more debtors stand up for their rights and file a lawsuit when it is necessary, the more regulated debt collection practices will become. Find out what you can do about creditor harassment by speaking with one of our attorneys today.
Contact a Debt Collection Harassment Attorney
at The Fox Valley Legal Group if you would like to learn more about the Fair Debt Collection Practices Act and how it affects you.