Fair Debt Collection Practices Act (FDCPA)
Did you know that a collection agency cannot continuously call you after you have told them you cannot pay the bill? Or that they cannot call you at work if you tell them they cannot? Most consumers are not aware that there is a Fair Debt Collection Practice Act (FDCPA) until they fall behind on their bills and the collectors start calling. No one wants to fall behind on their bills and be unable to pay them. But no one wants to be harassed because of their misfortune.
At Luftman, Heck and Associates, we investigate violations of the FDCPA. We know the trouble these actions can cause—personal bankruptcies, marital strife, job loss and you feel as if your privacy is invaded. Some of the violations are:
- Using threats to collect to try to get you to pay.
- Calling you during inappropriate hours. This usually defined as before 8 a.m. and after 9 p.m.
- Telling you they will let everyone know about your bad debt.
- Claiming to be an attorney to intimidate you.
- Telling you that you will go to jail if you don’t pay.
- Calling your employer, friends and family and telling them about the debt.
- Threatening to deposit a postdated check early.
No collector can continue to call you once you tell them you have an attorney. If a collector continues to call you and you think they are violating the FDCPA, call us immediately. You must file your claim in a timely manner. Let us handle the hassle of dealing with the collectors and protect your rights.
