Common Debt Collector Violations
If you are being contacted by debt collectors, the attorneys at Fields Law will review the methods that the creditor and debt collection agencies have used, to make sure they have not violated the Fair Debt Collection Practices Act, Fair Credit Reporting Act, or Telephone Consumer Protection Act.
Sometimes our clients are not even aware that a debt collector had violated the law. They assume that all the stress and anxiety caused by unscrupulous debt collectors are just something they have to live with.
We will make sure that debt collectors follow the law, and help you turn the tables on them by bringing a suit against the debt collector if they don’t.
Examples of situations where we can put the debt collectors on the defense include:
- Creditor Harassment – Fair Debt Collection Practices Act (FDCPA) Violations
- Credit Reporting Errors – Fair Credit Reporting Act (FCRA) Violations
- Illegal Telephone Calls – Telephone Consumer Protection Act (TCPA) Violations
If debt collectors are contacting you about your past-due bills, the debt settlement lawyers at Fields Law can help. We can help you understand your options, and make sure the debt collectors aren’t violating your rights. Call us today for free, no-obligation advice.
Can a debt collector contact my friends and family regarding my debt?
Debt collectors have a reputation of being unethical and going to any lengths to collect on a debt, but can a debt collector go as low as to contact your friends or family regarding your debt? The answer is No.
As a consumer, you have rights and protections pursuant to 15 U.S.C. § 1692, or The Fair Debt Collection Protection Act, which strictly prohibits any debt collector from contacting any third party regarding your debts. This means a debt collector cannot contact any third party by mail, telephone, email, or post card, pertaining to your debt.
There is, however, a select few ways for debt collectors to contact your friends or family, and it is imperative that the difference is clear. If a debt collector contacts someone other than the owner of the debt, they must:
- Identify themselves and provide their contact information; and
- Only ask questions that pertain to acquiring location information about the consumer such as: Address, telephone number, and employer.
The Debt Settlement attorneys at Fields Law Firm have settled several claims under the Fair Debt Collection Practice Act where a debt collector had sent a collection notice to a third party.
One specific case involved a wife whose husband had passed away a few years prior. The husband had an alleged debt with a debt collection company, but his wife was never named on the account. When the debt collector sent the wife a debt collection notice directly, the debt collector violated the Fair Debt Collection Practice Act. The Fields Law Firm attorneys were able to bring a claim against the debt collector and the wife was awarded $1,000.00, and was deemed not responsible for her deceased husband’s debt.
If a debt collector is contacting your friends or family, you may have a claim against them for violations under the Fair Debt Collection Practice Act. Contact the attorneys at Fields Law Firm today and see how we can stop harassment from debt collectors.