Fair Debt Collection Practices

WHO IS COVERED BY THE TCPA?

Consumers are protected by the TCPA. The TCPA protects consumers from harassing debt collection agencies. “Consumer” under the TCPA is defined as not only the original consumer who incurred the debt, but the borrower’s spouse, parent or guardian (when the borrower is underage), executor or administrator.

WHAT KINDS OF CALLS ARE PROTECTED?

Under the TCPA, no collection phone call practices are protected unless the recipient has given prior consent.

WHAT ACTIONS ARE NOT ALLOWED?

• Debt collectors may not call you before 8:00 AM or later than 9:00 PM
• Debt collectors may not contact your family, neighbors, or friends to discuss your debt
• Debt collectors may not call without identifying themselves
• Debt collectors cannot call you at work
• Debt collectors cannot use abusive or threatening language toward you
• Debt collectors cannot misrepresent facts, such as exaggerating how much you owe
• Debt collectors cannot bully you into paying with threats such as incarceration
• Debt collectors may not threaten you with physical force or violence causing you, your property, or your reputation harm.

These actions violate your privacy! To learn more, speak with experienced TCPA attorneys like Jibrael S. Hindi and his team.

If you feel that any of the above have occurred during your battle

with debt, you are eligible to file a claim under the Fair Debt Collection Practices Act. Call 1-844-JIBRAEL today to put an end to the harassment and get paid!