YOU HAVE RIGHTS THAT YOU MAY NOT EVEN KNOW, BELOW ARE SOME COMMON VIOLATIONS THAT COLLECTION AGENCIES MAKE WHEN THEY TRY TO COLLECT DEBTS.
IF YOU HAVE SUFFERED ANY OF THESE CALL US RIGHT AWAY. YOU ONLY HAVE A SHORT TIME TO BRING THEM TO JUSTICE. EVEN IF YOU OWE THE DEBT.
BELOW ARE SOME OF THE COMMON VIOLATIONS THAT DEBT COLLECTORS COMMIT
Debt collectors cannot do the following:
FALSE STATEMENTS: Debt collectors cannot falsely state:
- that they are attorney's or government representatives.
-that they work for a credit reporting company
-that you have or are committing a crime
-they cannot misrepresent the amount you owe
-that papers they send you are legal forms if they are not
-that papers they send you are not legal forms if they in fact are legal forms
-fail to report on your credit report that a debt is disputed, if you have disputed the debt
HARASSMENT: Collectors may not harass, abuse, or oppress you or any third party by
-Publishing the names of debtors
-use obscene or profane language
-repeatedly call you or someone to annoy them
-use threats of violence or harm
-call you at work when they know it is inconvenient or that you cannot receive calls
-call you after receiving written notice from you that you want them to stop calling you
UNFAIR PRACTICES: Collectors cannot commit unfair practices such as:
-Depositing a post dated check early
-contacting you by post card
-threaten to take or actually take your property unless done so legally
-Collect more money like fees and costs that are not allowed by the contract or State law
UNETHICAL PRACTICES: Collectors cannot
-Bring a lawsuit in a court other than where the contract was signed or where you live
-Contact third parties looking for you more than once
-tell third parties that you owe a debtDebt collectors cannot do the following:
FALSE STATEMENTS
Debt collectors cannot falsely state any of the following and more:
- that they are attorney's, work in an attorney's office or government representatives.
-that they work for a credit reporting company
-that you have or are committing a crime, that they are seeking a warrant for your arrest, or similar threat
-they cannot misrepresent the amount you owe
-that papers they send you are legal forms if they are not
-that papers they send you are not legal forms if they in fact are legal forms
-fail to report on your credit report that a debt is disputed, if you have disputed the debt
HARASSMENT
Collectors may not harass, abuse, or oppress you or any third party by the following and more:
-Publishing the names of debtors
-use obscene or profane language
-repeatedly call you for the purpose of annoying you. This includes calling you back to back to back.
-use threats of violence or harm
-call you at work when they know it is inconvenient or that you cannot receive calls
-call you after receiving written notice from you that you want them to stop calling you
UNFAIR PRACTICES
Collectors cannot commit these unfair practices and more:
-Depositing a post dated check early
-contacting you by post card
-threaten to take or actually take your property unless done so legally
-Collect more money like fees and costs that are not allowed by the contract or State law
UNETHICAL PRACTICES
Collectors cannot do the following and more:
-Bring a lawsuit in a court other than where the contract was signed or where you live
-Contact third parties looking for you more than once
-tell third parties that you owe a debt
These are just a few examples of bad acts. For a free consultation call us at (404) 212-1928.
