A Debt Collector should not:

  • Call you repeatedly
  • Call you at odd times/places
  • Disclose information of your debts to third parties
  • Use profane/abusive language
  • Contact you after written notification that you do not want to be contacted any further
  • Claim to be affiliated with any governmental organization
  • Misrepresent the character, amount or legal status of a debt
  • Threaten to take any action that cannot be taken legally
  • Accuse you of having committed a crime
  • Threaten to communicate false credit information
  • Attempt to collect even before your request to validate is honored
  • Use deceptive methods to collect debts
  • Call you before 8:00 a.m. or after 9:00 p.m.
  • Call you, but not announce who he/she is
  • Attempt or threaten to collect a debt that is too old to enforce under state law
  • File any legal action and/or taking a judgment without properly serving the party being sued
  • Waiting years after an unlawful judgment has been secured to attempt further collection activities
  • Fail or refuse to identify itself as a debt collector
  • Speak to others (family, friends, neighbors) about your debt
  • Demand unlawfully your social security number, credit or debit card, bank account or e-check authorization
  • Fail to send you written details about the debt within 5 days of the first call placed to you
  • Claim affiliation with the police, court or any other authority
  • Make any false promise to improve your credit score

If a debt collector has engaged in any of these abusive, deceptive, or unfair debt collection practices contact debt collection lawyers Kimmel and Silverman P.C for a free evaluation to determine if you are eligible to recover money damages. We stop collection calls and our service is free.