Debt Collection Abuse

Under the law, a debt collector is prohibited from violating the Fair Debt Collection Practices Act (the “FDCPA” or the “Act”).  If the debt collector violates the Act, you may sue the debt collector and our services are free unless there is a recovery.  That is, our services are contingent on a recovery.

The Following Are Some Of The More Common Violations By Collectors:

  • Calling you at work after you tell the collector you can’t take calls at work
  • Communicating with others regarding your debt
  • Calling your family, friends, employers or co-workers
  • Disregarding a written request from you to cease further contact
  • Harassing you, abusing you, threatening immediate garnishment or imprisonment
  • Threatening to destroy your reputation
  • Adding improper charges to the debt
  • Lying to you or falsely implying that you have committed a crime
  • Using any unfair, deceptive, false or misleading practice in an attempt to collect a debt
  • Concealing their identity on the phone
  • Failing to fully identify themselves
  • Using obscene or profane language or simply not dealing with you in a professional manner

Computer Generated Calls Or Texts From Debt Collectors or Businesses To Your Cell Phone Generally Violate The Law

Save these calls and call PHILLIPS LAW, PLLC.  You may be entitled to compensation.  Take photographs or “screen shots” of the incoming calls on your cell phone to preserve the evidence.