Consumer debts (purchasers not made for business use) are covered by the FDCPA. This includes credit card charges, medical bills, car repossessions, personal loans, mortgages, and department store or gas station cards.
WHAT ACTIONS ARE PROHIBITED UNDER THE FDCPA
Debt collectors cannot treat you an an abusive, threatening, or harassing manner. This includes:
(1) Collecting a debt that has expired under a statute of limitations (usually 3 years)
(2) Collecting any other uncollectable or settled debt
(3) Disclosing your debt to other people (employer, parents, children, sibling, friends, neighbors etc.).
(4) Making false statements to coerce payment: such as threatening to file criminal charges.
(5) Collecting debts discharged in Bankruptcy
COMMON VIOLATIONS UNDER THE FDCPA
Common violations include:
(1) Repeated telephone calls to family members, employers, and neighbors
(2) Placing somebody else's debt on your credit report and refusing to correct the false information without payment
(3) Cursing and physically threatening a person to "payup"
(4) Telling other people (any third party) that you owe a debt and have not paid.
WHAT TO DO IF YOU ARE A VICTIM OF ABUSIVE DEBT COLLECTORS
Please contact Rowe Barnett & Sohn, PLLC for a free consultation if you have been the victim of abusive treatment from a debt collector. This free consultation will inform you of your rights and give you a roadmap of how to pursue your legal remedies, suit the debt collectors for monetary judgments, and possibly get rid of your debt balance. You can also review the principal partner of this firm on AVVO by searching "Robinson S. Rowe".