Many consumers find themselves subject to unfair debt collection practices by creditors and debt collectors. For this reason there is legal protection in place at both the federal and state level to prevent collectors from unreasonably harassing, oppressing or disrespecting debtors.
A debt collector may not engage in the following behaviors:
Imply or claim to be a government official or an attorney
Imply they are employed with a consumer reporting agency
Falsely represent the amount of debt or it’s status or character
Threaten impermissible legal action or legal action that is not intended
Relay false information about the debtor’s credit
Fail to disclose interaction with the debtor
Implement deceptive means of collecting the debt
Collect fees, interest, expenses or charges that are not authorized by the initial contract
Cause unnecessary charges for communication by concealment
Threaten to deposit postdated checks
At the state level, debt collectors and creditors may face repercussions for engaging in the following:
Communicating with a debtor’s employer
Harassing the debtor or their family members with frequent contact
Threatening to garnish wages
Using violence or the threat of violence
Using abusive, vulgar or obscene language
Sharing information with third parties to tarnish the debtor’s reputation
If you believe you are dealing with a creditor or debt collector who is in violation of the laws set to protect debtors, contact the Bourassa Law Group. Our unfair debt collection attorneys will evaluate your situation to determine whether or not you have legal recourse, and help you to determine a course of action.
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