10 Things That Debt Collectors Do That Are Illegal
The Federal Fair Debt Collection Practices Act explains just how debt collectors should act when they are attempting to collect a debt from consumers. These are just some important things a debt collector should not do.
- The debt collector should not ask you to pay more than you owe.
- The debt collector should not ask you to pay interest, fines, fees, or expenses added to the original debt that are not allowed by the law.
They should never call you repeatedly or at a time that is inconvenient
The debt collector should never use obscene or abusive language.
They should never call you before 8:00 am or after 9:00 pm in your time zone
They should never use or threaten using violence if you do not pay the debt
The debt collector should never threaten action they cannot or will not take
The debt collector should never inform a third party about a debt because it is illegal to do so with a few exceptions like-
- your hired attorney
- the creditor or lender
- the creditor’s hired attorney
- a main credit reporting agency or
- your spouse (if you are a minor, then your parent)
- A collector should not contact you at your work or place of business knowing your employer does not approve of calls.
There are many more ways a debt collector can be in violation of the law. If you are being or have been contacted by a debt collector or creditor in ways like by mail, email, fax, or phone calls, then you must contact our law firm now for a free consultation to review your case. Your chances are that you can file for a lawsuit against them to make them accountable for the harm they have caused you and to obtain a court order to make them stop.
You do not have to put up with those late night collection calls. Calls at work can cause you much embarrassment. If you tell a debt collector not to call you at certain times and they proceed to call you during those times, then they may be in violation of the law. If you tell a debt collector not to call you at your work, and they do anyway, then they may be in violation of the law.If a debt collector sues you, then you may counter-sue complain against the collector for their own violations of the law. They can be the one who owes you money and you have the legal right to get a court order for them to stop all contact with you.
Things in life can lead to anyone becoming late on their bills, but it never means that they do not intend to pay the debts they owe. Debt collectors often times forget this and treat people wrongly. If you are being harassed by a debt collector, then there is hope. Convenient appointments can be scheduled for you to get legal advice and legal representation.
Hopefully, you will never be in a position in which you need the legal services of a debt collection harassment attorney, but in the event that you do, please give Hoag Law Firm a call or complete your online Free Case Evaluation. A free consultation can help you understand your rights. With honest advice and an experienced Tampa personal injury attorney at your side, you can recover the largest possible settlement and get back to living your life.