Collection agencies stand to make big money from unpaid debts, as debts grow exponentially by incurring vast sums of interest. While there are rules outlining fair collection practices, the temptation to collect on your debt can lead some collectors to act immorally, even unlawfully.

To curb harassment by debt collectors, the Telephone Consumer Protection Act (TCPA) was introduced in 1991. It aims to maintain civility in the realm of debt collection. By setting specific guidelines, consumers would be protected from harassing collectors. It puts the consumer in a position to benefit from shady collection calls and collection practices.

WHAT IS COVERED BY THE TCPA?

Various types of harassment practices are prohibited by the TCPA. As long as the recipient hasn’t given prior consent, the TCPA rules apply. Rules regulated by the Federal Communications Comission (FCC) are also taken into account.

WHO IS COVERED BY THE TCPA?

A debt collector as defined by the TCPA is someone who regularly collects (or attempts to collect) consumer debts for another person or institution by using harassing phone calls. Someone who uses another name to collect on his own debts is also considered a collector.

A consumer is defined as not only the borrower, but also the borrower’s spouse, parent (if the borrower is a minor) or guardian.

WHAT IS PROHIBITED BY THE TCPA?

A series of actions played out by debt collectors ranging from inconveniences to harassment are prohibited by the Telephone Consumer Protection Act. These include the following:

Calling before 8 in the morning or 9 in the evening local time
Calling more than once a day or 5 or more times in any given 7 day period
Calling you without disclosing their true identities
Contacting you at work if they know your employer forbids it
Using obscene or profane language
Threatening violence or jail time
Threatening to sue you
Filing an improper lawsuit
Charging you a “convenience fee” when you make payments towards your debt
Claiming to be attorneys
Inflating the amount you owe
Sending you paperwork resembling legal documents

These are only some the debt collection rules the TCPA puts in place to protect vulnerable consumers like you. If you need an attorney to fight on your behalf after you have suffered abuse by these collectors, look no further than The Law Offices of Jibrael S. Hindi or call 1-(844) JIBRAEL.

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