The following are types of debt collector conduct which may violate the FDCPA.
• 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
• Calling you before 8:00am and after 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.
If you have any questions about debt collector conduct which may violate the FDCPA, it is best to contact a Bankruptcy Attorney in your state.
The contents of this article are intended for educational use only in order to provide readers general information and a basic understanding of the law. If you are seeking legal advice, please consult a licensed professional attorney in your state. The information in this article should not be substituted for experienced legal advice.
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