You missed a credit card payment or perhaps are overdue on another obligation such as a medical bill, and now suddenly, you’ve realized that you have been placed in “collections.” And so you begin to receive letters in the mail and soon enough, strange numbers are calling you regarding your debt. This is a routine scenario that many Americans face when they’re unable to pay their bills. But understanding your rights is vital to avoiding unlawful debt collector harassment!
Regardless of your ability to pay, there are certain things bill collectors legally cannot do (otherwise they violate the Federal Fair Debt Collections Practices Act and potentially, applicable state consumer laws), like using profane language, threatening you in any way, communicating with a third-party regarding your debt, or calling you before 8 am or after 9 pm your time.
Keeping adequate records of your account and communications with a bill collector is extremely important should you find a debt collector has violated any of your rights under the FDCPA. Good record-keeping ensures a more seamless process if you decide to take the appropriate action to enforce your rights.
When dealing with debt collectors, be sure to:
- Keep a log of the dates and times of phone conversations you had with them, including the name of the agency contacting you and their employee.
- Save all recorded voice mails, including pre-recorded ones, a debt collector has left you or a third-party regarding your debt.
- Keep copies of any correspondence they sent you or a third party regarding your debt and that you have sent them (including envelopes).
With this information, you can contact a FDCPA/debt collection abuse attorney to properly handle your case. It is never O.K. to allow debt collection abuse to continue – contact our office today for a free consultation and see whether you may be entitled to monetary damages. Remember, under the FDCPA, if we have to sue a debt collector to enforce your rights, they have to pay our attorneys fees and court costs. So call us today and see if we can help you!