Things Your Debt Collector Cannot Say According to the FDCPA

When debt collectors want money from you they can be very annoying. They may call you relentlessly, and send endless letters regarding collections. But some of their tactics can be downright aggressive, and may even classify as illegal debt collection methods. There are laws in place that clearly state what a debt collector can and cannot say.

Things Your Debt Collector Cannot Say

The guidelines for what your debt collector cannot say are defined by the Fair Debt Collection Practices Act (FDCPA). These include the use of profanity or abusive language, or unsubstantiated threats of arrest. A debt collector may never call you before 8 a.m., or after 9 p.m. And they must cease all direct communications with you once you are known to have hired an attorney to help you with your debt collection matters.

The FDCPA guidelines also provide that if you send a letter to your debt collector asking them to cease from direct communications, they must stop contacting you immediately. The full list of guidelines can be found on any of the FDCPA Websites.

Learn more about illegal debt collection practices by visiting our library. 

Next, it would be in your best interest to consult with an experienced class action attorney that specializes in illegal debt collection methods in Massachusetts. It is important that the lawyer has handled these types of cases and that they understand procedures involved with a debt collection class action lawsuit.