The Fair Debt Collection Practices Act Prohibits Illegal Debt Collection

If you are being contacted by a lender or debt collection agency trying to collect a false debt-or any debt-you do have certain legal rights. The Fair Debt Collection Practices Act (FDCPA) spells out the regulations that must be followed by any entity that is trying to collect a debt from you.

Information about the Fair Debt Collection Practices Act

The FDCPA is enforced by the Federal Trade Commission, which is entrusted with protecting the rights of all American consumers. It protects you from illegal debt collection and covers debts incurred through:

• Credit cards
• Mortgages
• Loans for automobiles or other expensive assets
• Medical bills

The FDCPA does not oversee debts amassed by businesses.

How the FDCPA Protects You from Illegal Debt Collection

The FDCPA addresses numerous aspects of debt collection. But some of the rights you have under this legislation include protection from of illegal debt collection such as:

• Being called at home before 8 a.m. or after 9 p.m.
• Bill collectors continuing to hassle you after you have notified them in writing that the debt does not belong to you
• Bill collectors continuing to harass you after you have demanded in writing that they cease all contact with you
• Abusive or profane language by collection agencies (including threats of physical violence or harm)
• False statements by collection agencies
• Garnishment of wages without a court order
• Garnishment of many types of federal benefits

If you feel that your rights have been violated under the Fair Debt Collection Practices Act, be sure to contact a consumer protection attorney or class action lawyer that specializes in fighting illegal debt collection. You may be able to file a debt collection class action lawsuit.

For more information about fighting false debt claims, visit our library. 

The Massachusetts class action attorneys at Phillips & Garcia will fight for your rights in your false debt case. We are committed to protecting your best interests and helping you collect the damages you need and deserve to move on with your life. If you have been harassed by collection agencies over a false debt claim, contact Phillips & Garcia today to schedule your FREE legal consultation - (877) 892-5620.