If you’ve taken on a large amount of debt and are having trouble paying your bills, you’re not alone. Recent economic conditions have forced many families into such difficult circumstances. But while it’s legal for a debt collector to contact you, it’s not legal for them to make false claims or use unfair tactics.
The Fair Debt Collection Practices Act (FDCPA) protects debtors from unfair debt collection practices. Unlawful practices include:
- Calling a creditor earlier than 8:00am or after 9:00pm
- Seeking an unjustified amount of money
- Contacting a third party about the debt
- Misrepresenting the debt
If a debt collector contacts you, always demand that they validate the debt they have supposedly called about. Under the law, a debt collector must provide you with the following information:
- The amount of the debt
- The name of the creditor owed the debt
- The name and address of the creditor
- Notification of your right to dispute the debt
The FDCPA requires that, within five days of their initial contact with you, debt collectors must inform you of your right to ask them to validate the debt.
Remember, debt collectors have a legal obligation to act ethically and professionally. If harassing collectors are calling you, please contact the Law Office of Howard D. Silver today to schedule a free case evaluation with our Los Angeles unfair debt collection attorney.