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Illegal Debt Collection Practices (Part A)

When a person owes a debt and has fallen behind in payments, an unscrupulous debt collection agency may stoop to illegal debt collection tactics. If a debt collection agency breaks federal law by engaging in illegal debt collection practices, it's important to understand that you do have rights and you can fight back.

Types of Illegal Debt Collection

Illegal debt collection can take many forms. A debt collection agency that employs any or all of these or other tactics is breaking the law, and can find itself facing a debt collection class action lawsuit:

• l Increasing the debt amount without authorization. A debt collection agency can collect only the current unpaid balance. No other charges can be added.
• l Threatening to take actions that would be considered illegal if they were carried out. A debt collection agency may practice illegal debt collection if they threaten to do things that would affect your income, personal property, or other aspects of your life. They usually cannot take such drastic measures without first meeting certain requirements and following specific steps in order to do so.
• l Making a threat which they have no intention of carrying out. A debt collection agency cannot use scare tactics to force you to pay a debt. They know what they can and cannot do, and they cannot state otherwise.

In these instances, a Massachusetts class action attorney can determine if these illegal debt collection tactics are being used, and tell you what your rights are concerning a Massachusetts class action lawsuit.

You Do Have Rights

Just because you owe a debt does not mean that you have given up your legal rights; that is why the Fair Debt Collection Practices Act (FDCPA) was passed. The provisions of this act are designed to protect you and ensure your legal rights are not being violated, even when you find yourself in a debt situation.

A Massachusetts class action attorney that specializes in illegal debt collection tactics and what constitutes fair debt collection practices can look at your case and explain your legal options. If you do find out that you are entitled to file a lawsuit, a Massachusetts class action attorney can help you do just that.

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