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Debt Collection Abuse

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Despite many promises by the credit card companies that they are willing to work with people in difficult financial circumstances, this is not always the case.  Many consumers have reported a variety of abusive debt collection practices used by the credit card companies and other creditors trying to get their money.  Some of the debt collectors engage in various abusive debt collection tactics, including:

  • Making threats, including threats of arrest or jail
  • Impersonating police officers or other law enforcement personnel
  • Demanding payment for amounts that are not due
  • Trying to collect a debt that is too old, and which is no longer legally enforceable because the statute of limitations has expired
  • Trying to add surcharges that may not be allowed, including certain interest, penalties, attorney fees or costs of court
  • Calling too early in the morning or too late at night
  • Improperly labeling correspondence demanding payment or listing “past due” amounts, called “dunning letters”
  • Refusing to stop contacting you after you tell them to stop
  • Other abusive conduct and harassment

There are important laws, including the federal Fair Debt Collection Practices Act (FDCPA), that regulate how and when debt collectors can contact consumers.  It does not matter whether you owe the debt, because debt collectors still have to follow this law and other similar state laws.

As a Fair Debt Collection Practices Act (FDCPA) lawyer, I know there are many steps that you can take to assert your rights under this law and other debt collection laws.  Some of those steps need to be taken promptly (with a 30 day deadline), or you may lose important rights.  Contact us now to learn about your rights if you’ve been sued on a debt or are being harassed by debt collectors.