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Illegal Debt Collection Practices (Part B)

Illegal debt collection practices often occur in the sending of correspondence and the communication stages of debt collection.

Illegal debt collection practices dealing with communication include:

• l Sending correspondence which can lead the person owing the debt to believe that the debt has actually been turned over to an attorney. It is also illegal for a company to falsely represent themselves as an attorney instead of a debt collection agency.

If you believe that you are receiving "mass mailings" as they are sometimes referred to, you can ask a Massachusetts class action attorney to review the letters, and advise you if this is indeed the case, and if you may have grounds for a debt collection class action lawsuit.

• l Talking to unauthorized persons about your debt situation. You may have not had a reason to share your debt situation with co-workers, your employer, or even other family members. A debt collection agency can't either. There are only certain persons or entities with which that information can be shared.

This is a particularly serious violation against fair debt collection practices, and one that can certainly provide grounds for a potential debt collection class action lawsuit.

• l Telling you there is less time to respond to a debt collection notice than there actually is, or failing to include it in the official notification letter. You have 30 days from receiving your first notification in which to respond. If you are told otherwise, or if the debt collection agency does not mention that time frame anywhere in the correspondence at all, then that is an illegal debt collection tactic.
• l Not including the purpose of the correspondence that an attempt to collect a debt is being made. It must be made clear to you that there is an attempt to collect a debt and there must be notice that any information the agency receives will be used for that reason, somewhere in the correspondence.

If these tactics sound familiar, gather any evidence you can, including any correspondence sent to you by the debt collection agency, and contact a Massachusetts class action attorney that specializes in illegal debt collection.

The Massachusetts class action attorneys at Phillips & Garcia will fight for your rights in your illegal debt collection class action 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 cheated or wronged by a debt collection agency, contact Phillips & Garcia today to schedule your FREE legal consultation - (877) 892-5620.

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