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:

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 under 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:

  1. Identify themselves and provide their contact information; and
  2. 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, and was deemed not responsible for her deceased husband’s debt.

Can a Debt Collector Contact Anyone Else About My Debt?

Yes, but this right is limited. If an attorney is representing you about the debt, the debt collector must contact the attorney, rather than you. If you don’t have an attorney, a collector may contact other people, but only to find out your address, your home phone number, and your place of work. Collectors usually are prohibited from contacting third parties more than once. Other than to obtain this location information about you, a debt collector generally is not permitted to discuss your debt with anyone other than you, your spouse, or your attorney.

Can A Debt Collector Report A Disputed Debt To A Credit Reporting Agency?

After you dispute a debt, the debt collector is not allowed to report it to a credit reporting agency unless and until it verifies the debt. If the debt collector reported your debt to the credit reporting agencies prior to receiving your dispute letter, the debt collector must then notify the credit reporting agencies and update the status of the debt as “disputed.” After receiving your dispute and sending verification of the debt, the debt collector is then obligated to report the debt as a “disputed” from there on forward.

In What Ways Are Debt Collectors Allowed To Contact Me?

Debt collectors can contact you by telephone, letter, email, or text message to collect a debt, provided they follow the law and disclose that they are “debt collectors attempting to collect a debt and that any information obtained will be used for that purpose.” No matter how they chose to communicate with you, it’s against the law for a debt collector to pretend to be someone else—such as an attorney or government agency—or to harass, threaten, or deceive you.

Can A Debt Collector Contact Me At Any Time Or At Any Place?

No. Debt collectors are limited as to the time and place that they may contact a consumer debtor. Debt collectors cannot call you before 8:00 A.M. or after 9:00 P.M., unless you give prior consent to telephone calls at such times. Debt collectors are also not allowed to contact you at work if they’re told, orally or in writing, that you’re not allowed to receive telephone calls at your place of employment.

What Does The Debt Collector Have To Tell Me About The Debt?

Every collector must send you a written “validation notice” telling you how much money you owe within five days after they first contact you. This notice must also include the name of the creditor to whom you allegedly owe the money and how to proceed if you don’t think you owe the money.

Can A Debt Collector Keep Contacting Me If I Don’t Think I Owe Any Money?

If you send the debt collector a letter stating that you don’t owe any or all of the money, or asking for verification of the debt, that collector must stop contacting you. You have to send that letter within 30 days after you receive the validation notice. However, a collector can begin contacting you again if it sends you written verification of the debt, like a copy of a bill for the amount you owe.

Can I Stop A Debt Collector From Contacting Me?

Yes. If a collector contacts you about a debt, you may want to talk to them at least once to see if you can resolve the matter – even if you don’t think you owe the debt, can’t repay it immediately, or think that the collector is contacting you by mistake. If you decide after contacting the debt collector that you don’t want the collector to contact you again, tell the collector—in writing—to stop contacting you. This can be done by following these easy steps:

  1. Draft a letter requesting that the collector stop contacting you in regard to the alleged debt;
  2. Make a copy of your letter; and
  3. Send the original by certified mail, and pay for a “return receipt” so you’ll be able to document what the collector received.

Once the collector receives your letter, they may not contact you again, with two exceptions: 1) a collector can contact you to tell you there will be no further contact, and 2) a collector can contact you to let you know that they or the creditor intend to take a specific action, like filing a lawsuit against you to obtain a judgment. Sending such a letter to a debt collector you owe money to does not get rid of the debt, but it should, and is supposed to by law, stop the contact. The creditor or the debt collector still can sue you to collect the debt.

Do I Have Any Recourse If I Think A Debt Collector Has Violated The Law?

Yes. You have the right to sue a collector in a state or federal court within one year from the date of the legal violation. If you win, the judge can require the collector to pay you for any damages you can prove you suffered because of the illegal collection practices, like lost wages and medical bills.

The judge can require the debt collector to pay you up to $1,000 in statutory damages, even if you can’t prove that you suffered actual damages. You also can be reimbursed for your attorney’s fees and court costs. A group of people also may sue a debt collector as part of a class action lawsuit and recover money for damages up to $500,000, or one percent of the collector’s net worth, whichever amount is lower. Even if a debt collector violates the FDCPA in trying to collect a debt, the debt does not go away if you owe it.

If you believe a debt collector violated the law, you may have a claim against them under the Fair Debt Collection Practice Act. Contact the Consumer Law attorneys at Fields Law Firm today and see how we can stop harassment from debt collectors.



John Kelley
John Kelley
21:38 16 Oct 18
I was having issues with an insurance company and I hired fields law firm. The people there are amazing and always quick to answer questions even a couple times on the weekend. I worked with Blake amazing person and very informative on my case. I would highly recommend this firm to any of my friends.read more
Michael Frazier
Michael Frazier
23:58 10 Oct 18
I had the pleasure to work with Michael and Annie on my LTD case. When my claim was denied by the insurance carrier, Michael didn't hesitate to take them on with an appeal. He worked diligently on the appeal and ultimately won this for me. Mind you, this wasn't a huge case but he treated me like it was and as if I was the only case he was representing. He kept me abreast of vital information, it was clear that he knew his stuff and wasn't afraid to take on the big insurance company. Michael was much more than I ever expected given that our relationship was entirely remote, handled by telephone and email only. Not only is he a strong lawyer, he treated me with compassion and respect. I am beyond pleased with him and the Fields Law team. Michael cares about his clients and he gets the job done for them because he knows how impactful an injury can be to both a person's well-being and their financial security. I highly recommend Michael and Fields Law whether you are local to their Minnesota offices or out of state like myself.read more
Melanie Eason
Melanie Eason
20:12 29 Aug 18
Fields Law Firm is great. Patrick Kramer, my lawyer, is fantastic. He and his legal assistant Samantha K. have handled my case for several years. They have kept me informed every step of the way. They are both easy to contact. I have both of their phone numbers and email addresses and they respond promptly to any messages I leave. Without their help I would not have been able to get the disability company to fulfill their promises. It is a relief to leave all the dealings with the disability insurance company in their hands.read more
Jeannie Kerr
Jeannie Kerr
23:37 15 Sep 18
My experience with Merrick Williams of Fields Law Firm has been truly above and beyond satisfactory. His knowledge and professionalism have guided me through a very difficult time. He and his assistant Angela were readily available to answer any questions and address my concerns. I highly recommend him as an attorney and will use his services again if necessary in the future.read more
ebon jordan
ebon jordan
19:51 27 Sep 18
Field Law Firm was great my lawyer Zach Schmoll was more than I could ask for. He always kept me in the loop and explain everything perfectly, got back to me whenever I called less than 24 hrs and was a extremely nice guy. This guy is young and knows what he is doing so please don’t let the age fool you. I had a wonderful experience with Field Law and will refer anyone with legal matters to them.read more
Edward Johnson
Edward Johnson
23:11 31 Oct 18
I highly recommend Fields law Firm if you need some no nonsense attorneys to represent you. I was treated courteously and efficiently each and every time by Mike and his associates. They settled my Long Term Disability case in a timely fashion. and was pleased with the results. Thanks again Mike and Fields Law Firm. You are the best!read more
19:19 09 Nov 18
Fields Law Firm is simply the very best when it comes to representing you & fighting for your rights! They are a "10 Star" Law Firm hands down! Michael Kemmmitt & Sarah Christensen were simply outstanding to work with. They took over my long term disability case after I was being denied my benefits & gave me the moral support & law experience that I needed to win my case. They were supportive throughout my case & they will fight tooth & nail to assure your rights are not being denied. It is so rare to find a law firm that treats you like YOU are the most important person to them. I HIGHLY recommend Fields Law Firm. They are truly advocates for justice.read more
Ben Chadwick
Ben Chadwick
23:20 12 Nov 18
Michael and Samantha were always giving me updates in a very timely manner. They were very good at getting back with me if I had questions, and they didn't have the answer at the time of our discussion. They were very thorough in their handling of my case, and we received a positvie ruling due to their efficiency and expertise. Thank you very much Michael and Samantha, I appreciate all that you did to help me with my case. I would definitely refer people to you, as well as use you in the future. Benjamin Chadwick.read more
Michael Rosa
Michael Rosa
00:01 01 Dec 18
Evan was absolutely fantastic. He was knowledgable, informative and patient. Evan Sanford and Fields law took my case when other lawyers pretty much told me to pound sand. The outcome was a substantial amount of money that will take the pressure off of me for years to come. I would absolutely recommend Fields law.read more
17:49 02 Dec 18
It is very difficult for the average disabled person to battle the disability insurance and Social Security disability industries. I was very sick, exhausted, and stressed out about being denied and told that I can work by someone who doesn't even know me! The paperwork was daunting and had to be filled out multiple times. I chose Field's Law Firm after finding them online. They took over my claims and handled all of the paperwork and appeals that were necessary. They even went to a hearing with me to the Social Security Judge. Field's also kept me in the loop every step of the way. This allowed me to focus more on myself and greatly reduced my financial anxiety. They don't get paid unless you get paid. You truly have nothing to lose and everything to gain! I am truly appreciative of Field's Law Firm!read more
Raphael Roe
Raphael Roe
00:35 04 Dec 18
I had the pleasure of working with Patrick Kramer for my LTD appeal. He walked me through the entire process and answered all my questions. Patrick called me anytime there was new information and went above and beyond what I expected. It was one of the most stress free processes I’ve had to deal with thanks to the team at Field’s! Thank you for all your hard work! -Michael Roe, Monroe, MIread more
Donna Williams
Donna Williams
19:07 06 Dec 18
My attorney, Blake Bauer and paralegal, Samantha Kurschner are wonderful. Whenever I need to speak with one of them, they are always available. If I have to leave a message, my call is promptly returned. They worked diligently on my case and won my LTD claim. I highly recommend Fields Law Firm.read more
Lori Anderson
Lori Anderson
20:33 04 Dec 18
Jodie has been a wonderful person and on top of my social security disability claim. The attorneys are great and very thorough with what they do. Would recommend Fielsd Law Firm to everyone. Thank you for everything you have done for me.
Todd Burge
Todd Burge
15:40 11 Dec 18
I worked with Attorney Hans Lodge on a large debt collection from a creditor. He was able to determine that there was a violation of the Fair Debt Collection Practices Act, and swiftly moved into legal action. This whole matter was completely and quickly resolved within a couple of months. This whole situation could not have turned out any better on my end. I highly recommend working with Hans or any of the attorneys at Fields Law Firm!read more
John Notaro
John Notaro
05:09 09 Jan 19
Fields law represented me with class and always had the answers I needed to know every step of the way. Patrick and Jodie always kept me informed when there were updates to my case with a phone call. I can't recommend Fields law enough. I know I couldn't have won my case without the hard work of their entire team. Thank you all and most importantly how you changed my life for the better.read more
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