Debt Collection: What can't debt collectors do?

December 30, 2014 - Categories: Legal Articles

If a debt collector is trying to collect a debt from you, one of the first things to determine is whether they are the actual creditor to whom you owed the original debt, or if they are a 3rd party debt collector. If a 3rd party, they must comply with the Fair Debt Collections Practices Act (FDCPA).

The FDCPA forbids many activities. 3rd party debt collectors cannot:

  1. leave voice mail messages for the debtor about the debt.
  2. use or threaten to use violence
  3. harm or threaten to harm you, another person, or your or another person’s reputation or property
  4. use obscene, profane, or abusive language
  5. publish your name as a person who doesn’t pay bills (child support collection agencies are exempt from this in some states)
  6. list your debt for sale to the public
  7. call you repeatedly, or
  8. place telephone calls to you without identifying the caller as a bill collector.

If a debt collector has violated the above laws, then please call our office for a free phone legal consultation at 855:437-3704.