If you are dealing with a financial hardship preventing you from making your debt payments you are likely to experience the harassing calls of a debt collector. While they do have some rights in contacting you to collect on a debt, there are many practices that are prohibited. Here are a few of the most common violations of the Fair Debt Collection Practices Act:
- Using threats of violence.
- Using abusive or vulgar language.
- Impersonating law enforcement.
- Misrepresenting themselves as an attorney.
- Giving false information about who they represent.
- Giving false information about the debt.
- Making threats of telling an employer.
- Publishing a debtors name on a “bad debt” list.
- Using embarrassing mail to contact the debtor.
- Contacting a debtor outside of the 8:00 am to 9:00 pm hours.
- Contacting a debtor represented by a bankruptcy attorney.
If you have experienced any of these tactics, contact your Dallas bankruptcy attorney right away. They can put a stop to these abusive practices and protect you from further harassment. It is important you also contact the Federal Trade Commission and report the debt collection company to the violations department.