It’s never a pleasant surprise to receive a voice message from a debt collector but in some instances, how and when they leave a message to you can be a violation of the Fair Debt Collection Practices Act (FDCPA) and you have legal standing to defend yourself.
It is a violation for collectors to contact you before 8:00 AM and after 9:00 PM, local time at your location. What happens if they left you a voice mail (at any permissible time) at your shared residence? If you live with your family or a roommate and are sharing the same telephone and that person had listened to the voice message in which the debt collector had mentioned your outstanding debt, the collector may have violated the prohibited act of communicating with third parties without the consumer’s consent (regarding your debt).
Has something like this happened to you? Do you want to see if you have a qualifying FDCPA case? Contact our Orange County consumer protection attorneys to evaluate your case today. Due to the statute of limitations, you only have up until one year to file.