Unlawful Debt Collection
Falling behind on credit payments happens to millions of Americans, but that does not mean you can be harassed, abused, threatened, or
constantly called at all hours of the day. The law provides consumers with protections and when a debt collector violates those protections, you can seek relief. The law can be complex, so call Hammoud Law today for your free case evaluation.
The Fair Debt Collection Practices Act (FDCPA) is a federal law that prohibits debt collectors and third parties from engaging in unlawful debt collecting behavior. This behavior includes harassment, oppression, abuse, or threatening the consumer, among many other prohibitions
Some common violations include:
Constantly causing your telephone to ring with the intent to annoy, abuse, or harass the person being called
Calling you before 8:00 a.m. or after 9:00 p.m.
Calling you at times debt collector knew or should know are inconvenient for you
Calling a third party more than once looking for you
Telling third parties (other than your spouse) that the debt collector is trying to collect a debt from you
Threatening to get you arrested or put you in jail
Sue or even threaten to sue on a debt that you have not made a payment on in more than 4 years in California
Knows you’re represented by an attorney and continues to contact you
Contacting your place of employment more than once
Continue to contact you after you have written to the debt collector and asked them not to contact you
The use of obscene, profane or abusive language and shouting, screaming or getting angry with you
False representation that the debt collector is an attorney
Any representation that nonpayment of any debt will result in the arrest or imprisonment of any person
The law provides that the prevailing party is awarded attorneys’ fees and costs. That means when we are successful on your case, the OTHER SIDE will have to pay for YOUR attorneys’ fees and costs.
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