{"id":178,"date":"2018-11-12T12:00:00","date_gmt":"2018-11-12T12:00:00","guid":{"rendered":"http:\/\/www.consumerslaw.com\/blog\/how-stand-against-collection-agency-harassment\/"},"modified":"2020-03-15T16:35:50","modified_gmt":"2020-03-15T16:35:50","slug":"how-stand-against-collection-agency-harassment","status":"publish","type":"post","link":"https:\/\/www.consumerslaw.com\/blog\/how-stand-against-collection-agency-harassment\/","title":{"rendered":"Stand Up to Collection Agency Harassment"},"content":{"rendered":"

You might owe money on a credit card or loan, a utility or medical debt, but you still have rights against abusive debt collectors.\u00a0 Read more to learn about your rights.<\/p>\n

<\/p>\n

Consumers have rights.<\/h2>\n

The Fair Debt Collection Practices Act (FDCPA)<\/a> is a federal law that offers protections to consumers when collectors call about personal debts, such as credit cards, medical bills, utility bills or loans.<\/p>\n

The collection process<\/h2>\n

Once the debt has moved from the creditor to a collector, the FDCPA must be followed.\u00a0 If the collector uses tactics which violate the FDCPA,\u00a0 the consumer may file a lawsuit against the collector.\u00a0 Lawsuits pursued under the FDCPA provide for the debt collector to pay the consumer\u2019s legal fees \u2013 whether the debt is owed or not.\u00a0 Beware a collector’s violating tactics, such as:<\/p>\n

    \n
  1. Not providing proof of the debt<\/strong>
    \nCollectors must inform the consumer with the name of the original creditor, how much is owed, and provide proof of how the debt was calculated.<\/li>\n
  2. Misrepresenting the debt<\/strong>
    \nDebt collectors must be truthful. They can not misrepresent the amount of the debt, present themselves as an attorney when they are not, or threaten a lawsuit when they have no grounds to do so.<\/li>\n
  3. Placing abusive calls or sending threatening letters<\/strong>
    \nCollectors are not to threaten, use obscene language, speak with someone else about your debt, or place repeated phone calls that are intended to harass or abuse the consumer.<\/li>\n
  4. Contacting you after you’ve hired an attorney<\/strong>
    \nIf you tell a debt collector that you have hired an attorney, they\u2019re required to contact your lawyer instead of you or risk violating the FDCPA.<\/li>\n
  5. Contacting you after sending a Cease & Desist Letter<\/strong>
    \nYou may request that a collector stop contacting you.\u00a0 Send a Cease & Desist letter to inform the collector that calls and letters must stop.\u00a0 If you continue to receive communications, the collector could be in violation of the FDCPA.<\/li>\n<\/ol>\n

    Seek Legal Help NOW!<\/strong><\/h2>\n

    Flitter Milz is a nationally recognized consumer protection law firm that represents consumers against abusive debt collectors.\u00a0 Contact us<\/a> for a no cost consultation and evaluation of calls and letters that have been sent to you.\u00a0 We will fight in court to seek the justice you deserve.<\/p>\n

     <\/p>\n","protected":false},"excerpt":{"rendered":"

    You might owe money on a credit card or loan, a utility or medical debt, but you still have rights against abusive debt collectors.\u00a0 Read more to learn about your rights.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[4],"tags":[41,52],"_links":{"self":[{"href":"https:\/\/www.consumerslaw.com\/blog\/wp-json\/wp\/v2\/posts\/178"}],"collection":[{"href":"https:\/\/www.consumerslaw.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.consumerslaw.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.consumerslaw.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.consumerslaw.com\/blog\/wp-json\/wp\/v2\/comments?post=178"}],"version-history":[{"count":16,"href":"https:\/\/www.consumerslaw.com\/blog\/wp-json\/wp\/v2\/posts\/178\/revisions"}],"predecessor-version":[{"id":1618,"href":"https:\/\/www.consumerslaw.com\/blog\/wp-json\/wp\/v2\/posts\/178\/revisions\/1618"}],"wp:attachment":[{"href":"https:\/\/www.consumerslaw.com\/blog\/wp-json\/wp\/v2\/media?parent=178"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.consumerslaw.com\/blog\/wp-json\/wp\/v2\/categories?post=178"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.consumerslaw.com\/blog\/wp-json\/wp\/v2\/tags?post=178"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}