Fair Debt Collections Practices Act
Feel Empowered Know Your Rights
Household, personal, and family debts are
all covered the Fair Debt Collections Practices Act (FDCPA). This act
was written into law to protect consumers from unreasonable and undesirable actions on the part of debt
Debt collectors other than the original creditor may include anyone who
collects debts for others on a regular basis, including collections agencies, attorneys who regularly collect
debts, or companies that regularly acquire debts after they are allegedly in default. Debts included in
(FDCPA) include money owed for medical care, non-business charge accounts, credit cards, old utilities bills
such as phones, and personal loans.
Contacting you before 8 a.m. and after 9
p.m. in your local time zone by debt collectors is against the FDCPA. The debt collector is
responsible for being aware of all time zones they are calling. Debt collectors are not allowed
to contact you at work if they know that your employer does not permit it. If you are represented by an attorney
and the debt collector knows you have an attorney, they must not contact you personally,
Collectors are not allowed under the FDCPA to verbally or in any other
way harass you by using obscene language or abuse you by threatening harm. They also can not discuss with
your relatives, neighbors, friends, employer and credit references that you owe debt. In addition, debt
collectors may not contact you without identifying who they are, or accept a postdated check and post it
prior to it's date.
Contact us for a free consulation concerning
your debt situation.