Millions of Americans live with debt today and are subject to the pressures of continuous payments and mounting interest. These troubles can be worsened when a collection company applies unfair pressure. While collection companies have the right to remind debtors about their debt, there are rules set up by the Federal Trade Commission’s Fair Debt Collection Practices Act (FDCPA) to prevent harmful and threatening practices from occurring such as:
- Threatening severe consequences if not paid;
- Continuously and/or repeatedly calling;
- Misrepresenting the amount of debt and what needs to be paid;
- Revealing the subject’s debt to third parties;
- Calling the consumer’s workplace;
- Not sending written notice of the consumer’s rights and debt;
- Not verifying disputed debts; and
- Continuing collection efforts on disputed or settled debts.
It is important for all consumers to understand that no matter the amount or type of debt that one has, everyone is protected by the FDCPA and can legally prohibit collection agencies from unfair collection practices.
Attempting to end unfair debt collection is a complex and difficult process due to the persistent and intimidating nature of some debt collection companies. Anyone suffering from such actions should immediately contact Los Angeles fair debt collection attorney, Howard D. Silver, for help. Call the Law Offices of Howard D. Silver today at (855) 341-2611 for a free consultation.