Your rights under the Fair Debt Collection Practices Act.

Are you at your wit’s end trying to deal with a debt collector calling you all the time?  Automated messages or not leaving messages at all?  It can be aggravating and the collection company might be in violation of the Fair Debt Collection Practices Act (FDCPA).

Common violations of the Fair Debt Collection Practices Act include the following:

· You have experienced repeated calls (including computerized automated calls) from what you believe is a debt collector.

· A debt collector has informed third parties that you owe a debt (though to be protected under the FDCPA rules, you do not actually have to owe a debt at all, only that you are being harassed by a debt collection company is enough.  This is true even if the debt collection company was just careless in accidentally dialing your phone number in repeatedly calling for someone else. 

· A debt collector has called you before 8:00am or after 9:00pm.

It actually does not matter if you owe a debt or not, if a collection company has been found to violate the Fair Debt Collection Practices Act (FDCPA), you have powerful options.  You may contact an attorney and receive up to $1,000 under the Fair Debt Collection Practices Act (FDCPA) for the violation.  It really is that easy.  Many legal practices like Centennial Law Offices take their fees only from an amount recovered and therefore will charge you nothing.  Further, the Fair Debt Collection Practices Act (FDCPA) provides for the debt collection company to pay your attorney’s fees anyway if you have to bring a case against them to successfully recover under the Fair Debt Collection Practices Act (FDCPA). 

Are you at your wit’s end trying to deal with a debt collector calling you all the time?  Automated messages or not leaving messages at all?  It can be aggravating and the collection company might be in violation of the Fair Debt Collection Practices Act (FDCPA).

 

Common violations of the Fair Debt Collection Practices Act include the following:

· You have experienced repeated calls (including computerized automated calls) from what you believe is a debt collector.

 

· A debt collector has informed third parties that you owe a debt (though to be protected under the FDCPA rules, you do not actually have to owe a debt at all, only that you are being harassed by a debt collection company is enough.  This is true even if the debt collection company was just careless in accidentally dialing your phone number in repeatedly calling for someone else. 

 

· A debt collector has called you before 8:00am or after 9:00pm.

 

It actually does not matter if you owe a debt or not, if a collection company has been found to violate the Fair Debt Collection Practices Act (FDCPA), you have powerful options.  You may contact an attorney and receive up to $1,000 under the Fair Debt Collection Practices Act (FDCPA) for the violation.  It really is that easy.  Many legal practices like Centennial Law Offices take their fees only from an amount recovered and therefore will charge you nothing.  Further, the Fair Debt Collection Practices Act (FDCPA) provides for the debt collection company to pay your attorney’s fees anyway if you have to bring a case against them to successfully recover under the Fair Debt Collection Practices Act (FDCPA).

If you have debt collectors hounding you, get informed at www.stopdebtcollectorsharassment.com

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One Response to Your rights under the Fair Debt Collection Practices Act.

  1. BJ says:

    I was receiving calls from (888)748-4956. I check on your site and it is Allied Interstate, a debt collection company. Thanks for the info. Now I know how to handle this. I had thought they were violating the Do Not Call List because I had my number registered on the list from the beginning. I didn’t know what debt collection calls are not subject to it. I also didnt know someone can get up to a grand for tel. harassment. Thanks for the info!

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