Unfair Debt Collection
The FDCPA or Fair Debt Collection Practices Act protects debt defaulters from malpractices or unfair debt collection practices. If you or someone you know are facing intimidation from debt collectors, you are well within your rights to seek legal help.
Call Now for Immediate Help (855) 254-7841.
The FDCPA checklist for unfair debt collection practices you should be aware of:
- Types of debt covered by FDCPA 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.
Call us at (855) 254-7841 to understand your legal rights better or to contact an FDCPA attorney.