Stop Collection Calls and Debt Harassment in Connecticut
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 Connecticut.
The Fair Debt Collection Practices Act (FDCPA) was passed in 1978 to protect consumers from abuse and deception at the hands of debt collectors. The Act prohibits debt collectors from performing abusive and deceptive practices including:
- Contacting the debtor at unusual times or places, including early in the morning or late at night
- Contacting debtors at work after they have told the debt collector their employer does not allow personal calls
- Contacting debtors who have already expressed that they are being represented by an attorney
Some states take additional steps to protect consumers from unfair collection practices; however, in Connecticut, the state laws mirror the federal laws of the FDCPA. The actions that are prohibited include the following:
- Harassment – phone calls that are used to abuse, harass, or annoy debtors are forbidden
- Misleading representations – imply they are attorneys or imply the debtor has committed a crime
- Deceptive practices – collect an amount greater than the debt owed unless authorized
If a debt collector uses any of the aforementioned practices during a collection attempt, they are violating Connecticut state law as well as federal legislation. If you think you are the victim of debt harassment, contact an experienced attorney who will fight to enforce the FDCPA, stop collection calls, and get you the compensation you deserve.