The Fair Debt Collection Practices Act (FDCPA), enforced by the Federal Trade Commission (FTC), is important to all consumers because it places significant limitations on collection activity debt collectors can use.
The FDCPA applies to anyone who routinely collects debts owed to others. Thus, the FDCPA applies to lawyers who regularly collect debts, collection agencies, and companies that purchase past due accounts and try to settle or collect them.
The FDCPA prohibits collectors from using harassing or abusive tactics. The FTC website provides an extensive list of actions that are prohibited, but below are few examples. Debt collectors cannot:
- Threaten violence
- Use profane language
- Repeatedly call the debtor
- Collect additional amounts that are not allowed by contract or law
- Lie about who they are
- Call the debtor during inappropriate hours
- Threaten to publish a list of names of people who refuse to pay
- Deposit post-dated checks early
- Lie about who they work for or the amount you owe
- Falsley claim you have committed a crime
- Contact you by postcard
- Provide false credit information about you to other parties
- Threaten to take your assets unless it is lawful to do so
If a debt collector is using any harassing or abusive collection tactics with you, you should immediately contact us. We can file a lawsuit and help you recover monetary damages.
Contact The “Milwaukee Bankruptcy Attorneys,” DeLadurantey Law Office. LLC. DeLadurantey Law Office focuses on Chapter 7 and 13 bankruptcy, debtor’s rights, debt negotiations, debt relief, mortgage loan modifications, and foreclosure defense. A “defender of the little guy, “DeLadurantey Law Office serves the following location – Milwaukee, South Milwaukee, West Milwaukee, Waukesha City, Waukesha Town, Kenosha, Racine, and all other municipalities in Milwaukee County, Waukesha County, Kenosha County, and Racine County. We can be contacted by phone: (414) 377-0518 and can be found on the Internet and on Facebook.