Just because you have an outstanding debt does not mean that debt collection agencies are allowed the full gamut of tactics to try to get you to pay. In fact, there are several regulations about what debt collectors can and cannot do with regard to communicating with you.
When you have a debt that is legally documented, it is now covered under the Fair Debt Collection Practices Act (FDCPA). The FDCPA regulates the ways in which a debt collector is allowed to reach you and, when they violate the requirement, they can be held legally liable for such actions.
Under the FDCPA, the following practices are illegal for debt collectors to commit:
- Harass or abuse you
- Use any threats against you or your family
- Repeated and consistent phone calls
- Making false statements including claiming the penalties that can be imposed upon you, how high the interest will be, that they’ll publish your information publicly, etc.
- Threaten you with arrests or that your money or property will be seized or garnished
- Send documentation that isn’t official
- Use a false name
Contact Our Attorney for Help
If you have been badgered by a debt collection agency, our lawyer, Howard D. Silver, can help. He can represent you and help you restore your credit rating, get your debts paid for, and seek compensation if you’ve been the victim of unfair debt collection practices. Contact The Law Office of Mr. Silver today by calling (855) 341-2611. We serve clients in Los Angeles, Ventura, Riverside, San Bernardino County, and the surrounding parts of California.