The Fair Debt Collection Practices Act (FDCPA) is a federal law that regulates what a debt collector can and cannot do in the process of collecting debts. Common violations include:

• Threatening legal action;
• Disclosing any information about the debt to others;
• Contacting you after having notice that you are represented by an attorney;
• Making false statements;
• Using bad language; and
• Repeatedly calling to harass or annoy you. 

When debt collectors violate the FDCPA, they must pay you damages, as well as the attorney fees and costs associated with making the claim – it costs you nothing!

Are debt collectors bothering you? Complete the free case review to find out if you have a claim!

DEALING WITH DEBT COLLECTORS

 

When a debt collector calls, you may be asked to verify your identity (DOB, address, and/or last four of your social). This is normal. Debt collectors can get in trouble if they disclose information about your debt to someone else.

Once a debt collector confirms who you are, they MUST disclose the name of their company, that they are calling to disclose a debt, and that any information you give them will be used to collect the debt.

WRITE DOWN THE NAME OF THE COMPANY, THE DATE THEY CALLED YOU, AND THE PHONE NUMBER THAT CALLED YOU

 

If you have an attorney, give them the law firm’s name and telephone number); then hang up. It is the debt collector’s job to take that information and stop calling you. If the debt collector continues trying to collect the debt or calls back – it could be a violation.

The best thing you can do for your case is to take notes. Write down who called you, when they called, and what they said. If you get a text, do not erase it. If you get an email, do not delete it. If a debt collector does anything that you do not think is right, call us to discuss it.