Fair Debt Collection: Fight back against unfair, unethical and even illegal bill collection tactics!
Are debt collectors demanding payments on debts you can no longer afford? Are bill collectors harassing you over debts that you’ve already paid? Are you being harassed over debts that are not yours?
Have you told collectors to STOP CALLING but they call anyway… repeatedly? Do they demand more money than you can afford? Are collection agents discussing your debts and other personal information with employers, neighbors, even your parents? If so, this self-help web site is just what you’ve been looking for!
|FAIR DEBT COLLECTION PRACTICES ACT
Offers protection from illegal and unethical debt collection tactics.
|STOP COLLECTOR HARASSMENT
Stopping Collector Harassment begins with learning about your rights under the The Fair Debt Collection Practices Act (FDCPA). Also known as the fair debt act or FDCPA, this federal law was enacted to protect us from collector abuse…but it only works if we know how to use it properly!The FDCPA clearly defines the rules that bill collectors and even collection attorneys must obey when collecting debts. Many states have their own laws similar to the FDCPA and some of these laws also define collection rules for creditors collecting their own debts.This site is for educational purposes with the goal of helping you learn and understand your consumer rights so the next time bill collectors call, you’ll know what to do AND what to say to stop their harassment!
|UNDERSTANDING BASIC CONSUMER RIGHTS
Learn the laws for Dealing with Unfair and Illegal Debt Collection Tactics, Unfair or Inaccurate Credit Reports, and other consumer issues! Does your heart stop every time the phone rings? Are you afraid to answer the phone at home and at work? Do you dread opening the mail? Are you being called by debt collectors who use abusive language to bully and intimidate you? Stop the Harassment Now! Get your copy today!
Click here for a Debt Help Lawyer Case Review or call toll free 888-FDCPA-LAW (888-332-7252) for a FREE*Case Review and Consultation!
- Contact a third party about your debt for any purpose other than to locate you.
- Identity the debt collection company name to a 3rd party without being expressly asked.
- Disclose to a third party a debt is allegedly owed.
- Communicate with a single third party more than once.
- Communicate or or attempt to communicate with you at inconvenient times or places.
- Contact you at work after being told not to.
- Communicate with you after receiving a letter from you (a) with a request they cease and desist all contacts or (b) that you refuse to pay the debt.
- Engage in harassing, oppressive or abusive conduct.
- Use or threaten violence or other criminal means, or use obscene or profane language.
- Cause your telephone to ring repeatedly or continuously.
- Use false, deceptive, or misleading representations or methods, including but not limited to (a) falsely representing it is affiliated with the United States or any State; (b) falsely representing the character, amount, or legal status of the debt; (c) falsely representing or implying that nonpayment would result in arrest or imprisonment or the seizure, garnishment, attachment, or sale of property or wages; (d) threatening to take an action against that cannot be legally taken or that was not actually intended to be taken; (e) falsely representing or implying that you committed a crime; or (f) communicating or threatening to communicate false or likely false credit information.
- Use unfair or unconscionable means in an attempt to collect a debt, including but not limited to: (a) trying to collect an amount not expressly authorized by the debt agreement/contract or other applicable law; (b) threatening to or actually depositing a postdated check prior to the date on such check; or (c) taking or threatening to take money or property where there was no present right.
- Continue to contact you after receiving your cease and desist or request for validation letter.
- Force you to pay the debt prior to expiration of your 30 day right to dispute.
- Sue you except in the county you signed the contract, you live or own property that is the subject of the debt.
- Falsely represent themselves as attorneys.
- Provide the notices required by 15 USC § 1692g either in the initial communication with you or in writing within 5 days after.
- Notify you in the initial communication it is “an attempt to collect a debt and any information obtained would be used for that purpose.”
- Notify you during each collection contact the communication was from a debt collector
- Disclose the caller’s individual identity in every telephone call to you.