We know that owing money does not make anyone less of a human being. We also know that debtors are frequently abused by collection agencies in violation of the Fair Debt Collection Practices Act (“FDCPA”). Congress has recognized that collectors and collection agencies frequently engaged in behavior that was meant to demean and disrespect people who owed money. With the advent of the FDCPA, debtors have rights that must be respected by collectors. Some of these rights include laws that forbid a collector from:

• ….contacting third parties and telling them about the consumer’s debt or obligation. Moreover, a debt collector may not leave messages about a consumer’s debt to third parties.
• …contacting in such a way as to harass. Examples include a collector making multiple telephone calls to you. Other examples include yelling or cursing at you.
• …contacting after having instructed the collector, in writing, to not have any further contact.
• …calling you at any unusual place or time. By law, a collector cannot call before 8:00 a.m. or after 9:00 p.m.
• ….threatening to take action that the collector does not have a present right to take. For example, collectors sometimes go over board when they threaten to garnish a consumer’s wages when there is not even a judgment in place.

It costs nothing to file an FDCPA lawsuit since your attorneys’ fees become the collector’s and the collection agencies’ obligation.

Any violation of the FDCPA entitles you to damages of $1,000.00 or actual damages, whichever is greater, plus attorneys’ fees. When we file an FDCPA lawsuit, the collection calls stop quickly.

Call us if you have been harassed by a collector. We will talk about your case and review your legal options.

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