The Fair Debt Collection Practices Act and Your Rights
When you are struggling with debt, it is already difficult enough to handle without debt collectors harassing you with phone calls and letters. You do not have to put up with this treatment. In fact, it is against the law for debt collectors to use threatening or underhanded methods to recover a debt. The Fair Debt Collection Practice Act (FDCPA) of 1978 prohibits it. If you feel that debt collectors are harassing you or treating you in an inappropriate manner, an attorney can help you put an end to it.
Under the FDCPA, the following is prohibited:
- Contacting debtors at odd/inconvenient hours (traditionally described as before 8 am and after 9 pm)
- Using profane or abusive language when speaking with debtors
- Contacting debtors at their place of work, after the debtor's employer has expressly asked for this not to occur
- Threatening debtors with lawsuits, if no such suit is actually intended
- Telling debtors that they have committed a crime, or threatening them with arrest/jail time
- Contacting the debtor's friends or family to discuss their debt
- Impersonating law enforcement officers in order to collect a debt
This is not a comprehensive list. If you feel that debt collectors have been treating you in a threatening way that is not listed above, contact an attorney from the firm today to discuss the matter.
Serving the San Fernando Valley for Over Two Decades
When you hire an attorney from Price Law Group, the harassing phone calls will end immediately. When you are represented by an attorney, it is against the law for debt collectors to contact you personally; they have to go through your attorney. The firm has over 20 years of experience handling cases of bankruptcy,
loan modification and
creditor abuse, and can help you through your situation, and help you find a way out of your debt. Whether through a
debt settlement or through bankruptcy, you can get out of debt and lead a normal life again.