Stop Collection Calls and Debt Harassment in Colorado
CreditLaw.com provides legal services to consumers in Pennsylvania, New Jersey, Massachusetts, Maryland, Delaware, New York, Ohio, Connecticut, Tennessee, Texas, Arkansas, Oklahoma, Colorado, California, and New Hampshire. If a particular debt collector is located in a state where we practice, we can sometimes help consumers in other states as well. Collections agencies have to follow federal laws when it comes to collection calls, and in many cases there are additional state laws that expand on these regulations. To avoid any confusion, we broke down fair debt collection laws by state. In this case, we will discuss California.
In an effort to protect the financial and emotional wellbeing of American consumers, Congress passed the Fair Debt Collection Practices Act (FDCPA) in 1978 that makes it illegal for collectors to abuse or use deception to collect payments on outstanding debts. Unfortunately, debt collectors do not always follow these laws, which include:
- Harassment (repeated phone calls or calling at odd times)
- Deceptive language (implying the debtor has committed a crime)
- Misleading representations (not disclosing their name or the agency they represent)
- Threats of violence and/or profanity
In addition to the laws of the FDCPA, each state has a specified about of time that collectors are allow to pursue a debt. The statute of limitations for Colorado is 4 years for open accounts, verbal agreements, written contracts, and promissory notes.
It is important for all Americans to learn how their rights are protected by the federal law as well as the regulations specific to their state. Colorado residents who are experiencing debt harassment on debts they do or do not believe they owe should contact an experienced attorney as soon as possible. The role of these lawyers is to protect consumers and stop collection calls by enforcing the FDCPA and other state-specific laws.