Fair Debt Collection Practices Act – Creditor Harassment Defense

Have debt collectors started to harass you? Are they yelling at you or calling your friends to collect your debt? The law limits the actions debt collectors can take when asking you to pay a bill. Fields Law Firm knows debt collection law and the limits placed on debt collectors. Our attorneys will reign in debt collectors and give you back your piece of mind.

If you are like most of our clients, you would pay your debts if you had the money. For some reason, debt collectors never seem to understand that simple fact. They bombard you with phone calls and letters. They may call you names, and treat you rudely. None of this is going to help you get your debts paid.

The Fair Debt Collection Practices Act (FDCPA)

The Fair Debt Collection Practices Act (FDCPA) bars all forms of unfair, abusive, and deceptive collection practices. The FDCPA provides a laundry list of potential violations, together with general prohibitions on any form of deception, abuse, or unfair treatment. Despite FDCPA protections, debt collectors continue to use abusive tactics to pressure consumers into paying debts.

The FDCPA allows the consumer a remedy. By contacting our law firm, an attorney will listen to the facts and circumstances of your case and determine whether or not a debt collector has violated the FDCPA.

Congress designed the FDCPA to prevent these social maladies by giving consumers the right to hold debt collectors that violate the FDCPA accountable for their illegal conduct. Even if you owe the debt, you can still sue a debt collector that violates your rights under the FDCPA.

If you have been treated poorly by debt collectors, we can help. Many times our debt settlement lawyers can represent you for free and can sue debt collectors on your behalf. Not only will these claims not cost you anything, but you could be entitled to receive cancellation of your debt, reimbursement of actual damages, and statutory damages up to $1,000.

Fields Law has brought countless lawsuits against parties that have violated the Fair Debt Collection Practices Act (FDCPA) and made our clients thousands of dollars. If creditors are harassing you, call the debt settlement attorneys at Fields Law today. We can protect your rights and help you put them on the defense.

It’s important to understand two significant things about the FDCPA. First, it only applies to consumer debts. In other words, business debts are not covered by the FDCPA. Second, the FDCPA only applies to someone who is collecting the debt of another. For example, if you have an unpaid Capital One credit card and Capital One themselves is trying to collect the debt, they aren’t collecting the debt of another and the FDCPA doesn’t apply.

With those two things in mind, it is a violation of the FDCPA if a debt collector:

  • lies or misleads you
  • yells, shouts, swears, calls you names, or uses racial slurs
  • calls your friends, family, co-workers, or neighbors and tells them that you owe a debt
  • threatens to sue you or garnish you when they have no intention to do so
  • calls you at work after you’ve told them not to
  • tells you that you can be arrested or go to jail if you don’t pay the debt
  • calls you when they know you have a lawyer
  • any other conduct that is unfair, untrue, undignified, or disrespectful

If a debt collector violates the FDCPA, you have the right to sue them, and if you win the case, you could receive up to $1,000.00, plus any actual damages that you’ve suffered including your attorneys’ fees and any out-of-pocket costs. In other words, if you win your case, you get up to $1,000, any verifiable actual damages, a free lawyer, and your litigation costs paid for.

If you’re getting debt collection calls or letters, here are a few things you should do to protect your rights:

  • Save every letter you get from a debt collector, including the envelope
  • Take detailed notes of every conversation you have with a debt collector
  • Save every voice-message left by a debt collector

Who Qualifies As A Debt Collector Under The FDCPA?

Under the FDCPA, a debt collector is someone who regularly collects debts owed to others. This includes collection agencies, lawyers who collect debts on a regular basis, and companies that buy delinquent debts and then try to collect them. It’s important to note, your original lender is not subject to these laws, only a debt collection agency or law firm that is collecting on their behalf.

What Types of Debts Are Covered Under The FDCPA?

The FDCPA covers personal, family, and household debts, including money you owe on a personal credit card account, an automobile loan, a medical bill, and your mortgage. However, the FDCPA does not cover business-related debts.

What Practices Are Off Limits For Debt Collectors?

Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, debt collectors may not:

  • use threats of violence or harm;
  • publish a list of names of people who refuse to pay their debts (but they can give this information to the credit reporting companies);
  • use obscene or profane language; or
  • repeatedly use the phone to annoy someone.

False statements. Debt collectors may not lie when they are trying to collect a debt. For example, they may not:

  • falsely claim that they are attorneys or government representatives;
  • falsely claim that you have committed a crime;
  • falsely represent that they operate or work for a credit reporting company;
  • misrepresent the amount you allegedly owe;
  • indicate that papers they send you are legal forms if they aren’t; or
  • indicate that papers they send you aren’t legal forms if they are.

Debt collectors are also prohibited from saying that:

  • you will be arrested if you don’t pay your alleged debt;
  • they’ll seize, garnish, attach, or sell your property or wages unless they are permitted by law to take the action and intend to do so; or
  • legal action will be taken against you, if doing so would be illegal or if they don’t intend to take the action.

Debt collectors may not:

  • give false credit information about you to anyone, including a credit reporting company;
  • send you anything that looks like an official document from a court or government agency if it isn’t; or
  • use a false company name.

Unfair practices. Debt collectors may not engage in unfair practices when they try to collect a debt. For example, they may not:

  • try to collect any interest, fee, or other charge on top of the amount you allegedly owe unless the contract that created your debt – or your state law – allows the charge;
  • deposit a post-dated check early;
  • take or threaten to take your property unless it can be done legally; or
  • contact you by postcard.

Contact Fields Law Firm today if a debt collector has done any of the things listed above, or if they do anything that just doesn’t seem right to you. The Consumer Law attorneys at Fields Law Firm can help you figure out whether the debt collector has violated the FDCPA. If they have, we can discuss whether suing them is the best option for you.



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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