STEP 2: REVIEW YOUR RIGHTS
Debt collection activities are at an all-time high. Unfortunately,
some debt collection companies employ means that are abusive,
harassing, or otherwise illegal. Congress enacted the Fair Debt
Collection Practices Act (FDCPA) to eliminate abusive debt collection
practices by debt collectors (collection companies). Even if you
have a debt, you can have the unlawful collection activity stopped
and recover up to $1,000 if your rights have been violated. You
can stop debt collection harassment. You have the right not to
be harassed, abused, or threatened by debt collectors!
COMMON VIOLATIONS OF THE ACT:
- You have experienced repeated calls (including computerized automated calls) from a debt collector.
- A debt collector has informed third parties that you owe a debt.
- A debt collector has called you before 8:00am or after 9:00pm.
- A debt collector has failed to identify themselves when calling you or a third party concerning you.
- A debt collector has engaged in any conduct you found to be harassing, oppressive, or abusive. This includes the making of any type of threats (including threats to "garnish your wages"), use of obscene language, excessive telephone calls, etc.
- A debt collector has called your place of employment after knowing or having reason to know that your employer has forbade such calls.
- A debt collectors is attempting to collect an amount (including interest, fees, or collections costs) that were not authorized by your agreement with the original creditor.
- A debt collector has sent you post cards regarding a debt.
- A debt collector has sent you mail in which reference to a debt is printed on the outside of the envelope.
- A debt collector has used any false representation or otherwise deceptive means to collect a debt or obtain information about you.
Note: There are limited exceptions to some of the debt collection
activity as provided above. Contact an FDCPA attorney (see Step
3) to determine whether a violation of the Act has occurred under
your particular circumstances.
This is not a complete list of actions for which you may seek relief and monetary compensation. See more violations.