If a debt collector is calling you late at night, threatening legal action, or contacts you repeatedly at work, they may be breaking federal law. To protect yourself, you need the support of a collections harassment attorney. Speaking with a McKinney attorney will help you understand your rights and protect you from illegal debt collection practices. Let’s look at how to deal with rogue collection agencies.
What Are Common Violations Committed by Debt Collectors?
If you have ever dealt with a debt collection agency, then you understand the stress and turmoil that even a single phone call can elicit. Thankfully, you’re protected. The Fair Debt Collection Practices Act (FDCPA) provides consumer protection against debt collection harassment by collectors and agencies. Should any bill collector violate this federal law when dealing with you, there are steps you may take. For instance, you may sue the debt collector or merely report them to the government.
Typical Debt Collection Violations
There are, unfortunately, hundreds of unique ways for debt collectors to violate the FDCPA. Some of the most common debt collector violations, of which you should absolutely speak with an attorney regarding, include:
- Calling before 8 a.m.
- Calling after 9 p.m.
- Calling while at work more than once
- Calling third parties
- Telling anyone that a collector is trying to collect a debt from you
- Contacting you after you have written and requested they cease contact
- Trying to collect on a debt that is not valid
- Sue or threaten to sue you
- Leave messages on answering machines without clearly stating they are a debt collector
- Threaten to garnish wages
- Use profane or abusive language
- Try to collect the wrong amount
These debt collection violations can cause substantial stress, potentially leading to issues with family members or employers. However, most people simply don’t realize that these unethical practices are illegal, and that consumers are protected by federal law. Debt collectors must follow strict rules when attempting to collect payment, and any violations should be vigorously challenged by your collections harassment attorney.
What You Can Do About Debt Collection Violations
First and foremost, you want to speak with an attorney. An experienced lawyer will guide you through the entire process of reporting the agency or debt collector. You will want to file reports with the Federal Trade Commission or State Attorney General. Both organizations take complaints very seriously. Chances are, if presented appropriately and within the specific timeframes required, action will be taken against the collector or agency promptly.
What Are the Repercussions of Violating Debt Collection Laws
Collection agencies who violate the FDCPA can face consequences for their actions. Consumers may be awarded compensation for actual damages such as emotional distress and statutory damages, plus payment of attorney’s fees and legal costs. When multiple parties have experienced such violations, collection agencies could face far higher fines and damage to their reputation. While it’s common to feel intimidated when dealing with debt collectors, the support of a skilled litigation attorney can help you fight back against illegal tactics.
Experienced Collections Harassment Attorney in McKinney
If you think a debt collector may be violating consumer protection laws, speak with Lucé Law, PC today. Our collections harassment attorneys will assess your case and provide guidance on the best steps to take. Call (972) 632-1300 or request a free legal consultation now.
