Is that Debt Collector breaking the law?


Getting a call from someone you don’t know telling you that you owe them money is not fun. It’s less fun, when the call comes to your cell phone, at work, or at an odd hour of the day. It’s even worse, when the collector threatens you, is rude or offensive.

Maybe that call was even from a scam collector. Or, maybe they made a mistake – they called the wrong person, or about a debt you already paid off. Maybe they’re demanding the wrong amount of money. All these mistakes are common in the debt collection industry.

Even if you owe the underlying debt, no one plans to fall behind on their bills; no one wants to be in debt. We all deserve to be treated with truthfulness and fairness at all times – even by those to who claim we owe them money.

Whenever a Debt Collector treats you with a lack of truth or dignity, they are likely breaking the law.

There are many laws designed to control the conduct of debt collectors. Unfortunately, many collectors believe that they can operate more profitably by breaking the law than by following it.

One law intended to limit the conduct of debt collectors to ensure that they treat consumers with proper respect is the Fair Debt Collection Practices Act (the FDCPA). This is a federal law prohibiting a debt collector from –

• Calling you at odd hours (before 8 am and after 9 pm)
• Calling you at work if they know that is inconvenient for you or against your work rules
• Using inappropriate language when speaking with you
• Threatening you
• Telling others about your debts or financial situation
• Lying or misrepresenting facts to you – including the amount or nature of the alleged dead

These are only some of the illegal practices that many collectors regularly engage in.

If you feel that a debt collector is not dealing with you properly, they very well may be breaking the law. If you so, you have a right to compensation – regardless of whether you owe a creditor any money. To find out, you should contact a consumer rights lawyer or the FTC right away.

Don’t let yourself be taken advantage of by someone breaking the law!

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This entry was posted on Friday, June 8th, 2012 at 1:55 pm and is filed under Articles. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.