How To Spot Debt Collection Violation

Unpaid debts may lead to phone calls from debt collectors in attempt to collect a debt. Many people face the stress of debt collection calls every day. However, in some cases, the debt collection agency may not be following the law.

What Are Debt Collection Laws?

Debt collection laws are a set of regulations that debt collectors must follow. They are designed to help consumers by protecting them from creditor harassment and unfair debt collection practices. The federal Fair Debt Collection Practices Act (FDCPA) regulates how debt collectors are allowed to conduct their business

What Actions Violate Debt Collection Laws:

• Calling you before 8 a.m. or after 9 p.m.
• Calling your employer.
• Leaving you an automated message.
• Calling you if they know you’re represented by an attorney about the debt.
• Contacting you more than once a week.
• Use of harassment, oppression, or abusive language.
• Unfair or unconscionable means to collect a debt.
• Threatening to use violence or harm to you, your reputation, or your property.
• Threatening you with arrest or say that you will be arrested.
• Threatening to seize, garnish, attach, or sell your property or wages.
• Saying that they’re law enforcement officials.
• Claiming that you will be imprisoned or deported.
• Misrepresenting the amount of money you owe.

If you have experienced any of these debt collection law violations or are concerned you may soon face debt collectors, contact one of our Dallas bankruptcy lawyers today.