Facing intimidation at the hands of a debt collector? You should contact an FDCPA lawyer as soon as possible. The Fair Debt Collection Practices Act or FDCPA is a set of outlines for practices employed in collecting money from debtors. The outlines are clear instructions on what is out of bounds for debt collectors. If they persist in the practices despite receiving instructions not to, they can be blacklisted. Collectors may also be blacklisted for failing to follow the outlines.
However, like with most legal regulations, unless you understand them thoroughly, there is a high possibility of you not being able to enforce your own legal rights in the correct manner.
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Given below is a checklist that makes it easier for you to understand the directives of the FDCPA. If you or anybody you know is facing intimidation from debt collectors, you have every right to contact an FDCPA lawyer to help you understand your legal rights better.
The FDCPA checklist:
- Types of debt include those incurred through purchases for family, household, personal and medical reasons. This includes credit card debt as well.
- Debt collectors can only contact you by mail, telephone or fax. Contacting between 9 p.m. and 8 a.m. is not allowed, unless mutually agreed upon. They cannot contact you at your workplace.
- You can prohibit a debt collector from contacting you by writing to them.
- The debt collector cannot inform anyone else about your loan except to find out details about where you live or work.
- Debt collectors, when collecting information about you can identify themselves and their collection services. They may not disclose the purpose of the call though.
- Debt collectors need to send you a written notice on the debt, including details of the creditor and the action to be taken.
- If a collection agency violates this norm, you can demand a second written notice.
- If you send the collection agency proof that you do not owe anybody the money within 30 days of establishing first contact with you, they need to stop contacting you.
What do we do and how do we help you?
If you feel threatened by a debt collector, talk to one of our lawyers to understand your legal rights under the FDCPA better.
Simply call us at 855-254-7841 to discuss your situation and to find a solution for it.
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