The FDCPA was enacted to stop abusive, deceptive, and unfair debt collection practices by debt collectors. If you believe you have been the victim of the unfair practices of a debt collector, contact us for a FREE evaluation of your debt collection issues.
Under debt collection laws, you may be entitled to money damages and payment of your attorneys’ fees if a debt collector has violated the law.
You have the right to stop debt collectors from harassing or abusing you.
Yes, the law protects you against unfair and coercive debt collection methods. You must, however, know how the law can protect you and help you keep debt collectors in check.
A debt collector cannot:
- Telephone you an unreasonable number of times
- Telephone you at an unusual time/ unusual place
- Disclose information about your debts to third parties
- Use profane or other abusive language
- Contact you after written notification that you do not want to be contacted any further
- Claim to be affiliated with any governmental organization
- Misrepresent the character, amount or legal status of a debt
- Threaten of to take any action that cannot be taken legally
- Accuse you having committed a crime
- Threaten to communicate or actually communicate false credit information
- Attempt to collect, until he honors your request to validate the debt
- Use deceptive methods to collect debts
- Call you before 8:00 a.m. or after 9:00 p.m
- Call you, but not disclose who he/she is ... and more
You Can:
- Have the debt reduced or even eliminated
- Have your credit report cleared of negative reports
- Receive up to $1000
- Have your attorneys’ fees paid by the collection agency ... and more
IF A DEBT COLLECTOR HAS ENGAGED IN ANY OF THESE ABUSIVE, DECEPTIVE, OR UNFAIR DEBT COLLECTION PRACTICES, CONTACT KROHN & MOSS, LTD. CONSUMER LAW CENTER® FOR A FREE EVALUATION TO DETERMINE IF YOU MAY BE ABLE TO RECOVER MONEY DAMAGES AND THE PAYMENT OF YOUR ATTORNEYS’ FEES!
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