We Stop Debt Collectors Nationwide You have the right to stop debt collectors from using harassing or abusive conduct to collect a debt, even if it is a valid debt you owe. State and federal law protects you and even pays your attorneys’ fees to stop debt collectors—you pay nothing to protect your rights!
The Fair Debt Collection Practices Act (FDCPA) is federal law which prohibits debt collectors from using abusive, deceptive, and harassing debt collection practices when attempting to collect outstanding debts against you. The FDCPA also provides protections for consumers by limiting how and when debt collectors may attempt to collect debts, affording rights to consumers to guard against abusive tactics, and granting severe penalties against debt collectors who violate the law.
Further, the Telephone Consumer Protection Act (TCPA) is another federal law which prohibits the use of automated dialing systems and prerecorded telephone calls to collect a debt. These are known as “robocalls” and are illegal in most instances. The TCPA further prohibits calls to emergency landlines, cell phones, pagers, and health care facilities. It also prohibits text messages and faxes used for the collection of a debt.
Under the FDCPA and TCPA, you may be entitled to monetary damages if a debt collector has violated the law. These laws also pay for your entire attorneys’ fees to pursue abusive debt collectors.
These laws apply to almost every type of debts, including:
Credit card debts;
Personal or family debts;
Medical bills; and
You may be entitled to monetary compensation if a debt collector has:
Called your before 8 A.M. or after 9 P.M. without your permission;
Threatened you in any way to collect the debt;
Called on a repeated and continuous basis;
Used profane or obscene language with you;
Told a third party of your debt, such as leaving a message with a friend or family member;
Contacted you at work after you have told them not to;
Left voicemails without telling you the individual’s name, the company, and that any information you provide is being used for debt collection purposes;
Contacted you after you told the debt collector to stop contacting you in writing;
Used false information to collect the debt;
Misrepresented the character of the debt, such as exaggerating how much it is or the legal status of the debt;
Accused your of committing a crime; and
Refused to tell you his or her name on the telephone or what company they are associated with.
If any one of these harassing and abusive acts occurred to you, you may be entitled to:
Have your debt eliminated or reduced;
Receive up to $1,000 per instance;
Have your attorneys’ fees complexly paid for by the collection agency; and
Have your credit report cleared of negative notations.
If a debt collector has been attempting to contact a debt through harassing, abusive, or deceptive means, contact our experienced attorneys today. Our legal team has handled over 50,000 debt collection protection cases while settling over 98 percent of them without the need for trial. We have been successfully representing those abused and taken advantage of by debt collectors for years, and have a long list of successful stories to share with you.