Debt can be a stressful burden, but dealing with aggressive or unethical debt collectors can make a difficult situation even worse. Fortunately, the Fair Debt Collection Practices Act (FDCPA) provides crucial protections against harassment and abuse by debt collectors. At KAASS Law, we commit to helping consumers understand their rights under the FDCPA and fight back against unfair debt collection practices.
Enacted in 1977, the FDCPA is a federal law that regulates the conduct of collectors. It prohibits a wide range of abusive, unfair, and deceptive practices, empowering consumers to stand up to harassment and seek justice for violations.
According to the Fair Debt Collection Practices Act (FDCPA) it is unlawful for the debt collector to use unfair, abusive, or deceptive practices when collecting debts.
Types of debt that are covered under the FDCPA include:
Business debts are not covered under the Fair Debt Collection Practices Act.
Debt collectors are allowed to contact the employer in the following cases:
А debt collector is not allowed to contact person’s family members, neighbors, or other people about his debt unless:
In case the debt collector contacts a person about his/her debt that he/she doesn’t owe, it is important to respond in writing to dispute the debt as soon as possible. In case the person fails to respond, the debt collector will keep trying to collect the debt and can even sue him/her.
A debt collector first contacts the person within five days and then he/she must send him/her a “validation notice,” which contains the following information:
A person must dispute the debt in writing within thirty days of when the debt collector first contacted him/her. In this case the debt collector must stop trying to collect the debt until it can show the person verification of the debt.
A person must dispute a debt in writing in case:
According to the FDCPA, debt collectors are not legally allowed to harass a person, such as:
Debt collectors cannot legally lie to a person, such as:
Debt collectors are not legally cannot engage in unfair practices, such as:
If you believe a debt collector has violated the FDCPA, KAASS Law can help you:
Dealing with aggressive debt collectors can be intimidating. KAASS Law is here to protect your rights and help you regain control of the situation. If you’re experiencing harassment or unfair treatment from a collector, contact us today for a free consultation.
Get in touch with KAASS Law for more information at (310) 943-1171 or by filling out the form below.
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