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 federal Fair Debt Collection Practices Act (“FDCPA”) was introduced in 1978. It aims to maintain civility in the realm of debt collection, and benefits both debtors and debt collectors. The act defines a set of rules that collectors must follow, which protects law-abiding collectors from losing business to shady debt collectors. It puts you in a position to eliminate your debt and even recover money from the debt collector if you contact an experienced debt harassment attorney.

WHAT IS COVERED BY THE FDCPA?

Various types of debt are protected under the FDCPA. As long as the debt incurred is primarily for personal, family, or household purposes, it is protected by this act which is enforceable by the Federal Trade Commission. Debt that is owed by corporations is not covered, and neither is debt owed for business or agricultural purposes.

WHO IS COVERED BY THE FDCPA?

A debt collector as defined by the FDCPA is someone who regularly collects (or attempts to collect) consumer debts for another person or institution. 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 FDCPA?

A series of actions played out by debt collectors ranging from inconveniences to flat out bullying are prohibited by the Fair Debt Collection Practices 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 FDCPA 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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