Debt-Collection Complaints, and What to Do About Them
Even though many violations are commonplace, it is illegal for debt collectors to do any of the following:
Harass you (including threatening arm or repeatedly making your phone ring).
Making false statements.
Giving information to third parties.
Giving false account information (such as giving the wrong balance).
Suing you anywhere except where you opened the account or where you live now.
Generally speaking, anything that is unfair, disrespectful, or untrue is illegal under the federal Fair Debt Collection Practices Act. An attorney is usually the best way to combat these types of practices, because most attorneys – including our office – can handle cases of abusive debt collectors for no cost. If you succeed in your case, you could be entitled to up to $1,000 in statutory damages, plus any emotional distress or physical harm that was caused.
Lawyers at Culik Law handle debt-collection defense cases, and provides no-cost case evaluations for claims of violation of the FDCPA or other unfair debt collection practices.
The FTC’s press release on its reports is available here: FTC Announces Top National Consumer Complaints for 2013.
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Culik Law is a Massachusetts Attorney / Law Firm. The posts on Culik Law’s blog are not intended as legal advice. If you have questions about your particular situation, CONTACT CULIK LAW for a Free Consultation.