Consumer Rights
FAIR DEBT COLLECTIONS PRACTICES ACT
Personal, family, and household debts are covered under the Fair Debt Collections Practices Act. This act was designed to protect consumers from undesirable actions taken on the part of debt collectors.
Debts included in the Fair Debt Collection Practices Act (FDCPA) include money owed for the purchase of a home, an automobile for general transportation, medical care, and non-business charge accounts. Debt collectors may include anyone, other than the creditor, who collects debts regularly for others. This includes collection agencies, attorneys who regularly collect debts or foreclosure mortgages, and companies that regularly acquire debts after they are alleged to be in default.
Particularly, debt collectors are not permitted to call you at an inconvenient time or in places that are inconvenient. Debt collectors are not permitted to contact you at work if they should know that your employer does not allow it. they must not contact you at all if you are represented by an attorney and they know you have an attorney. Debt collectors are not permitted to harass or abuse you verbally or in other manner. They are also not allowed to threaten you with harm or use obscene language. Debt collectors are not allowed to tell your employer, neighbor, credit references, or friends that you owe a debt. Finally, debt collectors may not contact you without identifying themselves or accept a postdated check and post it prior to its date.
We are committed to working on behalf of consumers who have been harmed by unfair and unlawful business practices. We are working to stop predatory lending practices that rob homeowners of their equity.
