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Unfair & Deceptive Business Practices

Unfair Debt Collection

Federal law regulates debt collection practices. If you have been the victim of deceptive, harassing, or unfair debt collection practices, our consumer protection lawyers are here to help.

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Unfair Debt Collection Details

Going into debt can be an embarrassing and stressful process. Debt collectors can try to take advantage of vulnerable debtors by employing unfair collection practices. Fortunately, the Fair Debt Collection Practices Act (FDCPA), as well as many state laws, regulate the conduct of debt collectors. For example, you have a right to information concerning the amount of your debt and the creditor to whom the debt is owed. You also have the right to dispute a debt within 30 days, and to be provided with verification of the debt if you do dispute it. The FDCPA also includes protections against harassment by debt collectors.

If a debt collector is found to have violated the FDCPA in their effort to collect on a debt you owe, you may be entitled to monetary damages for physical distress, emotional distress and lost wages, as well attorney fees and statutory damages of up to $1,000. Additionally, the court may order the debt collector to cease calling or sending letters.

We understand how intimidating it can be to take on a large debt collection agency on your own. Please contact our consumer protection team for a free and confidential consultation if you have been a victim of any of the above illegal debt collection practices.

Examples of Unfair Debt Collection Practices

  • Calling before 8:00 a.m. or after 9:00 p.m., unless you have given the debt collector permission to contact you during those hours.
  • Causing your phone to ring for extended periods of time or making repeated phone calls to harass or annoy you;
  • Contacting you at work after they have been instructed not to do so.
  • Falsely threatening to take legal action against you.
  • Making a false statement in an effort to collect the debt. This includes misrepresenting the amount you owe, falsely claiming to be an attorney, falsely claiming that you have committed a crime, using stationary that is designed to look like an official court or government communication.
  • Using obscene or profane language.
  • Threatening you with arrest if you do not pay the debt.
  • Threatening you with violence or harm.

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