Fair Debt Collection: Stop Collection Calls
Under the FDCPA, a debt collector cannot:
The Fair Debt Collection Practices Act is designed to protect consumers from debt harassment. Knowing your rights can prevent undue stress.
According to fair debt collection laws, a debt collector cannot:
- Call you repeatedly
- Call you at inconvenient 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:
Listen To Caller: NCO Financial
- 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, and 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.
Are you the victim of “sewer service” by a debt collector?
It’s a decades-old practice known in legal circles as “sewer service”. This occurs when a debt collector fails to properly serve a notice of complaint (litigation) upon the defendant (debtor) and then files a false affidavit claiming the notice has been properly served. When the debtor doesn’t show up in court, the collector can then apply for, and almost always wins, a default judgment. This violates fair debt collection federal laws and has become a staple practice for “reputable” and “not reputable” debt collectors alike. If you have been the victim of this bill collector’s harassment tactic, contact us today for free representation and immediate relief from harassing collection calls by debt collectors.
So, you are probably wondering how to stop collection calls. 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 strive to uphold fair debt collection laws and stop collection calls – best of all, our service is free.
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