Make Debt Collectors Pay Under the FDCPA:
Are you, family and friends being called nonstop by mean and nasty Bill Collectors? Would you rather have them pay you for a change? Federal Law under the Fair Debt Collection Practices Act. Let Vaitys Law LLC and ripoffrelief.com help. You may be entitled to up to a $1,000.00 for Debt Collector Violations and other damages may be available for the consumer as well. We don't charge the consumer anything and only collect our attorney fees on a settlement or judgment. We sue bill collectors nationally at Federal Court- had enough? Give us a call at 414-751-7115 and/or email your information and a statement of events to us at litsref@gmail.com
Here's what the Federal Trade Commission has to say about Debt Collection Abuse and the FDCPA:
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, they 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 owe;
- • indicate that papers they send you are legal forms if they aren't; or
- • indicate that papers they send to you aren't legal forms if they are.
- Debt collectors also are prohibited from saying that:
- • you will be arrested if you don't pay your 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 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.