Debt collectors often use illegal and abusive conduct in order to collect money from consumers. Although the law requires debt collectors to communicate with consumers with honesty and respect, many debt collectors still adopt procedures designed to harass and abuse consumers.

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Debt collectors often use illegal and abusive conduct in order to collect money from consumers. Fortunately, federal law requires debt collectors to communicate with consumers with honesty and respect. Yet, many debt collectors still adopt procedures designed to harass and abuse consumers. Our attorneys have successfully represented consumers under the Fair Debt Collection Practices Act. Some of the most common violations of the Fair Debt Collection Practices Act occur when:

  • A debt collector misrepresents the amount of the debt owed, including false representations regarding the amount of interest or penalties;
  • A debt collector makes false representations and threats to a consumer, such as that a lawsuit was filed when it was not filed or that information regarding the debt will be provided to the consumers employer;
  • A debt collector communicates with consumers at their place of employment or with a consumer’s family member;
  • A debt collector fails to inform the consumer that the debt collector is attempting to collect a debt and any information will be used for that purpose;
  • A debt collector fails to provide a consumer certain disclosures, such as the amount of the debt, the original creditor to whom the debt is owed, and that the consumer may dispute the validity of the debt.
  • A debt collector continually and repeatedly calls a consumer or calls early in the morning or late at night.

Our attorneys have extensive experience in litigating cases against debt collectors under the Fair Debt Collection Practices Act. If a debt collector has contacted you, please call us today and we will speak with you for free to determine whether the debt collector violated the Fair Debt Collection Practices Act.