Debt Collection Harassment Attorney

Contact Bankruptcy and Debt Collection Harassment Attorney Robert P. Soto of Billmaier & Cuneo, LLC, today by calling 419.931.0067 (Ohio) or 734.568.0136 (Michigan).

According to the Fair Debt Collection Practices Act, there are specific guidelines which credit card debt collection agencies must follow, and tactics which are prohibited by law.

Violations of the Fair Debt Collection Practices Act which are documented and reported may be costly to the companies which have chosen to fail to comply with the acceptable debt collection guidelines.

Practices which are considered violations of the Fair Debt Collection Practices Act include:

Harassment - Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, they may not:

• use threats of violence or harm;
  
  
• publish a list of names of people who refuse to pay their debts (but they can give this information to the credit reporting companies);
  
  
• use obscene or profane language; or
  
  
• repeatedly use the phone to annoy someone.
  
  

False statements - Debt collectors may not lie when they are trying to collect a debt. For example, they may not:

• falsely claim that they are attorneys or government representatives;
  
  
• falsely claim that you have committed a crime;
  
  
• falsely represent that they operate or work for a credit reporting company;
  
  
• misrepresent the amount you owe;
  
  
• indicate that papers they send you are legal forms if they aren’t; or
  
  
• indicate that papers they send to you aren’t legal forms if they are.
  
  

Debt collectors also are prohibited from saying that:

• you will be arrested if you don’t pay your debt;
  
  
• they’ll seize, garnish, attach, or sell your property or wages unless they are permitted by law to take the action and intend to do so; or
  
  
• legal action will be taken against you, if doing so would be illegal or if they don’t intend to take the action.
  
  

Debt collectors may not:

• give false credit information about you to anyone, including a credit reporting company;
  
  
• send you anything that looks like an official document from a court or government agency if it isn’t; or
  
  
• use a false company name.
  
  

Unfair practices - Debt collectors may not engage in unfair practices when they try to collect a debt. For example, they may not:

• try to collect any interest, fee, or other charge on top of the amount you owe unless the contract that created your debt – or your state law – allows the charge;
  
  
• deposit a post-dated check early;
  
  
• take or threaten to take your property unless it can be done legally; or
  
  
• contact you by postcard.
  
  

The Fair Debt Collection Practices Act (FDCPA) covers personal, family, and household debts, including money you owe on a personal credit card account, an auto loan, a medical bill, and your mortgage. However, the FDCPA does not cover debts you incurred to run a business.

Robert P. Soto and the attorneys of Billmaier & Cuneo, LLC are committed to offering individual analyses, early assessment, efficient service and quality representation in a timely manner regarding your Bankruptcy and Debt Collection Harassment issues.

Contact Robert P. Soto, an experienced Bankruptcy and Debt Collection Harassment Attorney the law offices of Billmaier & Cuneo, LLC. Call 419.931.0067 (Ohio) or 734.568.0136 (Michigan).