If a debt collector violates the FDCPA (the federal Fair Debt Collection Practices Act, 15 USC 1692 et. seq.) the debt collector may be liable to pay you up to $1,000.00 in statutory damages, your actual damages, your attorney's fees, and court costs.
The following examples are only some of the many collection tactics frequently used by collection agencies and / or collection law firms. These tactics violate the FDCPA.
Larson Law Office provides free consultation to discuss your case with an attorney experienced in FDCPA cases. For immediate review, complete our online case evaluation -- here --. If your needs are urgent, call us at 719-473-0006.
The FDCPA prohibits many common collection practices such as:
1. Telling someone other than you or your spouse details about your
collection account(s) without prior authority from you.
2. Calling you at work after you have told the debt collector not to
contact you at work.
3. Threatening to take any action against you that they do not take or
intend to take. (Examples include falsely threatening to take you to
Court and falsely threatening to garnish your wages.)
4. Falsely threatening to garnish your wages prior to a lawsuit being
filed against you for the debt.
5. Cursing, yelling or using obscene and / or profane language.
6. Repeated harassing phone calls including calling multiple times a
day to annoy, abuse or harass.
7. Threatening Arrest or Jail.
8. Impersonating court employees including judges, clerks, etc.
9. Impersonating law enforcement officers (Police, Sheriff or federal