Fair Debt Collection Practices

You Have Extremely Powerful Rights Under Federal Law!

*First Name:
*Last Name:
*Main Phone:
2nd Phone:
Email:
Brief Description of What Happened:
* Required Fields Strictly Confidential

That’s Right! The Fair Debt Collection Practices Act (FDCPA) is a powerful federal law that was designed to protect you from collection agencies that use abusive and unfair collection tactics.

What Are Your Rights?

The following is a list of common practices that are all prohibited by federal law and which you have a right to stop:

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;

Repeatedly use the phone to annoy
someone; or

Call outside of the hours of 8:00 a.m. to
9:00 p.m. local time.

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.

False Threats. Debt collectors may not make false threats. For example, they may not indicate:

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 intendto do so;

Legal action will be taken against you, if doing so would be illegal or if they don’t intend to
take the action; or

Take or threaten to take your property unless it can be done legally.

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;

Contact you by postcard;

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.

Contacting Other People. Debt collectors generally may not call your employer, friends and family. For example:

The debt collector may not discuss your debt with anyone other than you, your spouse, or
your attorney, except to find out your address, your home phone number, and where you
work;

If an attorney is representing you about the debt, the debt collector must contact the
attorney, rather than you; or

If a collector knows you may not receive calls at work, the collector may not call you at work.

What Action Can You Take?

Debt collectors who take any one of the above actions are in violation of federal law. Debt collectors who violate this law are liable to you for any damages you have suffered, including your emotional suffering, plus up to $1,000 and your attorney’s fees!

You can also stop the calls and the harassment once you hire an attorney.

Take Action Now! - Free, No Obligation, Confidential Consultation

To learn more about your rights under the federal Fair Debt Collection Practices Act from a qualified attorney call us now at 1-888-536-6671 or fill out our Quick Case Review Form above and one of our representatives will contact you immediately.

And remember, at Kahn & Associates there is no cost or obligation for you to be informed of your rights

Law Firm Info

Practice Areas