Prohibitions under the Fair Debt Collection Practices Act
It is virtually impossible to make one’s way in the world today without entering into debt. Purchasing a home or car, receiving medical care, or paying for higher education are all more than most people can afford without financial assistance. Unfortunately, people sometimes find themselves unable to repay debts due to unexpected circumstances.
To make matters worse, unscrupulous collectors have historically engaged in abusive practices in pursuit of repayment. In an effort to remedy this problem, the United States Congress authorized the Fair Debt Collection Practices Act (FDCPA) in 1978 to eliminate some of the more inappropriate measures. If you are tired of collection calls and letters, we can help you. Contact the Birmingham bankruptcy lawyers of GREENWAY BANKRUPTCY LAW, LLC at (205) 324-4000.
Illegal Collection Efforts
The following forms of prohibited conduct represent collection efforts that are likely illegal:
- Calling outside the window from 8 AM – 9 PM based on debtor’s time zone
- False reporting or the threat of false reporting to the credit bureaus
- Discussing the debts with third parties other than a spouse or retained attorney
- Continuing to contact a debtor after receiving a written request to cease
- Excessive calling with the intention to harass or annoy
Unfortunately many members of society do not receive an education about their finances or their rights as pertaining to the collection process. Shame and fear can cause people to tolerate shameful violations of the FDCPA without their knowledge.
There are many other prohibited forms of collector conduct, and you are legally protected from all of them. Take control of your finances once again. Contact the Birmingham bankruptcy lawyers of GREENWAY BANKRUPTCY LAW, LLC at (205) 324-4000.