Fair Debt Collection Practices

The Fair Debt Collection Practices regulates the behavior of individuals or entities acting as a debt collector as it relates to the collection of a debt. In general, a debt collector cannot engage in harassment or excessive conduct in order to collect a debt.

Debt collectors are not allowed to harass you. For example, they can’t:

  • threaten you with violence or harm
  • use obscene or profane language
  • repeatedly use the phone to annoy you

Debt collectors can’t lie. For example, they can’t:

  • misrepresent the amount you owe
  • lie about being attorneys or government representatives
  • falsely claim you’ll be arrested, or claim legal action will be taken against you if it’s not true

Debt collectors can’t engage in unfair practices. For example, they can’t:

  • try to collect interest, fees, or other charges on top of the amount you owe, unless the original contract or your state law allows it
  • deposit a post-dated check early
  • take or threaten to take your property unless it can be done legally

Call (800) 536-0045 or complete the following form to schedule your free consultation today.

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