The FDCPA considers the following as violations of the FDCPA by debt collectors:

  • Being disrespectful
  • Calling you at inconvenient times
  • Not disclosing the name of the company
  • Not disclosing the original creditor’s name
  • Using abusive language during the conversation
  • Threatening to seize your assets or bank accounts
  • Engaging in violence
  • Give misleading information such as wrong name, false identity as an attorney
  • Disclosing your debt to third parties
  • Demanding more money than the actual debt
  • Calling you after you have sent a cease and desist letter
  • Intimidating you with dire consequences
  • Threatening you with legal action that is not meant
  • Demanding even if you don’t owe
  • Lying about the debt
  • Suing you in a state you don’t reside in

Under the FDCPA, you have a right to:

  • Decline to take a call from a debt collector
  • Hang up on a debt collector
  • Instruct a debt collector not to call
  • Send a letter to a debt collector not to call
  • Arrange a convenient time to call you
  • Not allow debt collector to call you at odd times
  • Ask debt collector to validate the debt in writing
  • Inform debt collector not to call at work place
  • Send a cease and desist letter to debt collectors to stop further communication
  • Engage an attorney for further communication and legal action
  • Record the calls from debt collectors (if it is allowed in the state you reside in)

If a debt collector has violated the FDCPA, contact us at 612-821-4817. We can help!

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