Have Your FDCPA Rights Been Violated?
To know whether or not your FDCPA rights have been violated, you need to know exactly what those rights are. There are certain things that the FDCPA prevents debt collectors from doing, but this does not mean that debt collectors always obey the laws that are in place to protect you. To determine whether or not your rights have been violated, ask yourself these questions:
- Has a debt collector ever called you before 8 a.m. or after 9 p.m.?
- Have you sent a written request to a debt collector asking them to cease communication and they refuse to acknowledge the letter and continue to harass you?
- Has a debt collector made your phone ring repeatedly?
- Has a debt collector threatened to seize your property?
- Has a debt collector ever sent you a written notice?
- Has the debt collector published your name and/or address on a “bad debt” list?
- Has a debt collector threatened you with legal action?
- Have you gotten a call from someone impersonating the police or IRS about your debt?
- Has a debt collector taken money out of your bank account?
- Has a debt collector asked you to pay more than what you owe?
- Has a debt collector ignored your attorney’s letter telling them to stop calling you?
- Has a debt collector ever used abusive or profane language when speaking with you?
- Has a debt collector contacted third parties regarding your debt?
- Has a debt collector told third parties that you owe them money?
- Have you received contact by embarrassing media such as an envelope clearly stating that a debt collector sent it?
- Has a debt collector ever tried to collect an old debt?
- Has a debt collector left you multiple voicemails?
- Has a Debt Collector Tried to Collect a Debt you Already Paid?
If you can answer yes to one or more of these questions, then you have been subjected to the practices of a debt collector who is not above pursuing illegal activities to collect a debt and your rights may have been violated under the FDCPA. Connect with an attorney now to find out what you can do to stop the abuse and hold the responsible party accountable for their actions.