The Fair Debt Collection Practices Act
In response to collection agencies’ abusive practices, Congress passed the Fair Debt Collection Practices Act (or the FDCPA) to help protect consumers. The act sets forth guidelines for creditors to follow when trying to collect valid debts.
Stipulations of the FDCPA
The limits established in the FDCPA pertain to all debt collectors. The FDCPA prohibits the following actions:
- Contacting persons who do not owe debts (i.e. family members and friends of debtors), unless they are a cosigner.
- Contacting debtors at unreasonable hours, or at places where debtors specifically requested no phone calls (such as place of work)
- Making threats which they do not intend to carry out
- Discussing debts with a third party
- Using profane language or insults
- Pretending to be a third party in order to seek out information or instill fear
- Charging illegal fees
- Suing in courts that are far away from debtor’s residence
While these laws may seem like common sense, many debt collectors still violate the stipulations of the FDCPA.
Contact Us
If you are being harassed by debt collectors, contact the West Palm Beach bankruptcy attorneys of Eric N. Klein & Associates, P.A.. Once you are represented by an attorney, you may notify your creditor, and all further contact will be filtered through your lawyer. Our team of professionals can help you consolidate your debts and help you keep your head above water. Call 561-353-2800 today to schedule your free initial consultation
