Are you being harassed by debt collectors? Contact Diwan Law today at 404-635-6883 to schedule a free consultation to discuss how the Fair Debt Collection Practices Act [FDCPA] can help you.
When you fall behind on your debts, it seems like your creditors will stop at nothing to try to get you to make a payment. Fortunately, Federal law prohibits a wide range of unfair and abusive debt collection activities.
The Fair Debt Collection Practices Act [FDCPA)] protects consumers from harassment and abusive behavior by debt collectors and collection law firms.
If a debt collector violates the FDCPA, consumers may pursue a lawsuit against the collector. If successful, the consumer is entitled to monetary damages, and the debt collector or collection law firm will also be responsible for the customer’s legal fees.
- Verbal abuse;
- Continuing to call a consumer after the customer has told the debt collector to stop;
- Writing or calling the consumer after being notified that a lawyer represents the customer;
- Threatening to report the consumer to the IRS;
- Threatening to have the consumer arrested if he or she does not pay the debt collector;
- Threatening to file a lawsuit against the consumer when none is intended;
- Calling a consumer’s cell phone without permission;
- Placing personal information on an envelope;
- Misrepresenting or inflating the amount of the debt;
- Failing to disclose that the company is a debt collector;
- Contacting a consumer after 9 pm or before 8 am;
- Threatening to take legal action, or sue, on a time-barred or “stale” debt.
If you believe a debt collector has violated the FDCPA, you may be able to take legal action and recover monetary damages. Contact Diwan Law at 404-635-6883 for a free case evaluation.