Approved in 1991, the Telephone Consumer Protection Act was formed to protect consumers from harassing phone calls from debt collectors. Since 1991, this act has evolved and adapted to suit advances in technology. We understand what the TCPA entails and we’re prepared to use our expertise to help you with your claim
It is no secret that many Americans today are faced with debt. Did you know that the percentage of Americans in debt is as high as 80%? Chances are you, or someone you know is struggling with debt at this very moment. You may have even received unpleasant phone calls from collection agencies as you try to figure out what steps to take next. Fortunately, the majority of these practices are prohibited under the Telephone Consumer Protection Act. Because millennials, or those born between 1981 and 1997, are more likely to face student loan debt, car loan debt, and credit card debt coupled with harassing phone calls, it’s essential for them to seek help from a reputable TCPA law firm.
No matter what debt you are facing, you deserve to be treated with dignity. This is why the Telephone Consumer Protection Act outlines what kind of behavior is considered harassment and how you can fight back against it.
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!
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