Debt Collectors must follow the law...
Collectors are subject to the Fair Debt Collection Practices Act (FDCPA) when attempting to collect debt from consumers for personal or household obligations, such as credit cards, medical bills, utilities or personal loans.
...whether a debt is owed or not.
Collectors may be in violation of the FDCPA when they:
"Unfair Debt Collection Practices" - Attorney Cary Flitter
Fair Debt Collection Practices Act
The FDCPA provides legal protections for consumers from a collector's abusive collection tactics. If a collector has violated the FDCPA the consumer may pursue a lawsuit against the collector, and the collector will be responsible for legal fees.
The Fair Debt Collection Practices Act provides protections for consumers from a collector's abusive tactics.
“When bill collectors called my grandmother about my hospital bills, she not only found out about my debt, but also private information about my medical condition. Flitter Milz put a stop to it.”
Flitter Milz has helped people like you fight against abusive collection agencies and law firms for over 20 years.
Contact us today, for a free legal review of collection calls or letters you’ve received. Whether you fell behind on payments
or not, if the collector violated the law, you can sue and the collector will be responsible for the legal fees.
Our lawyers don’t just practice consumer law – they litigate the tough cases that make new law.
No Charge Consultation. No Ongoing Fees.
1. 8 Tips for dealing with debt collectors
2. How do I know if the debt collector is legitimate?
3. What to do if debt collectors contact your family members
4. Tips for Older Americans in Debt
5. Co-signing a loan: All Risk, Little Reward
6. How does a “Charge-Off” affect the consumer?
7. Why is the same debt listed multiple times on my credit reports?
8. How a Judgment Affects Your Credit
9. How to Pay Off Credit Card Debt
10. What to do if you’re sued for a car loan deficiency
11. Debt Collection Against Military Personnel
12. Collection Contact after a debt is paid
13. Can I be sent to jail if I owe money?
14. Debt collectors must play by the rules
15. Stand Up to Collection Agency Harassment
Banks, telemarketers and debt collectors use auto-dialers and robocalls as a low-cost means of reaching customers to sell products and services or collect debt. But calling a consumer’s cellphone requires permission from the consumer. Often, unbeknownst to the consumer, that permission is provided when the consumer applies for credit.
Attorney Andy Milz speaks about Unwanted Calls and Texts
1. Request identity of the caller, the company name and the company's location.
2. Send Written Notification to the caller, by Certified Mail Return Receipt if possible, requesting the calls to stop. Keep a copy of your letter and the postal green card.
3. If calls resume, create a CALL LOG to document the calls, including date and time of the call, name of caller & company, Caller ID and details of the phone message or conversation.
4. Remind the caller that you have requested the calls to stop.
5. Contact your cellphone provider to Request Call Records showing calls to your phone.
6. Register your cell phone and landline numbers with the National Do-Not-Call Registry.
The Law: Telephone Consumer Protection Act
The Telephone Consumer Protection Act, also referred to as the TCPA, is a federal law that was signed in 1991 limiting the use of automatic dialing systems, artificial or pre-recorded voice messages, text messages and fax machines to reach consumers. Unless the consumer provides permission, the robocalls could be in violation of the law. The law permits consumers to file unwanted call lawsuits and recover $500 to $1,500 for each violating call or text placed to their cell phone without permission, or after asking the caller to stop.
Flitter Milz is a nationally recognized consumer protection law firm that represents
victims of auto-dialed robocall technology used by telemarketers, lenders and debt collectors.
CLICK HERE for a free evaluation.