YOUR RIGHTS

YOU DON’T HAVE TO BE A VICTIM!


Learn About Your Legal Rights Against Creditor Harassment

Debt collectors sometimes cross the line in their attempts to obtain payment. They are hoping that you aren’t aware of the legal restrictions of what they can and cannot do.

The following are possible violations of the FDCPA:

When Contacting Third Parties/Other People

  • Debt collectors failing to identify themselves (only company name), or failing to state that collector is confirming or correcting locating information
  • Debt collectors disclosing to third parties that debts are owed
  • Contacting any person more than once, unless requested to do so by the third party
  • Contacting any person after knowing you are represented by an attorney

Prohibited Communication

  • Calling you before 8:00am and 9:00pm, your time
  • Contacting you after you are represented by an attorney (i.e. your Bankruptcy attorney)
  • Calling place of employment after debt collector knows employer prohibits calls (after you say, do not call me at work”)
  • Contacting you, after you, in writing, tell debt collector you are not going to pay debt, or you want collector to cease communication

Harassment or Abuse

  • Debt collectors harass, oppress, or abuse any person
  • Threat of Force or criminal means to harm you or your property
  • Using profane language
  • Calling repeatedly
  • Calling you without disclosing identity (“I am a debt collector attempting to collect a debt”)

False or Misleading Representations in Communication

  • Attempting to collect more than is owed
  • Implying debt collector is an attorney when it is not.
  • Threatening that the nonpayment will result in imprisonment, garnishment, and attachment.
  • Threatening to sue you when they are not an attorney.
  • Threatening to take any action debt collector doesn’t intend to take or otherwise lying.

Don’t fall victim to these illegal schemes! For more information, visit www.fairdebthelpers.com


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