Under the Fair Debt Collection Practices Act, debt collectors are prohibited from misrepresenting themselves to you as well as information about your debt. However, this has not stopped collection agencies from impersonating figures of authority, and mischaracterizing possible penalties, in an effort to coerce people to pay the debt. If a creditor is using such illegal tactics on you, you may be entitled to compensation.
Commonly Used Tactics
While debt collectors employ a number of collection strategies, some of the biggest misrepresentations reported include:
- Identifying themselves as a law enforcement officer, an officer of the court or an attorney
- Giving a false company name to hide the fact that they are a third-party debt collection company
- Indicating that nonpayment of the debt can result in your arrest, or your name being published in the newspaper
- Mischaracterizing the amount of the debt
- Implying they have a right to seize all of your assets
If a debt collector has engaged in any of these harassment methods when contacting you, your rights under the FDCPA may have been violated and our nationwide attorneys may be able to help.
What Collectors Are Required To Do
The FDCPA prohibits debt collectors from harassing customers and sets forth certain guidelines they must follow when contacting you, such as:
- Correctly identifying themselves
- Correctly identifying the original creditor
- Notifying you of your right to dispute the debt
- Providing verification of the debt in writing upon request
If these guidelines are not being adhered to by a debt collector who is communicating with you, we can help you assert your rights and hold the collector accountable.
Our Attorneys Are On Your Side
At the Law Offices of Todd M. Friedman, P.C., our lawyers are available at any time to go over your situation and assess your options. Speak directly with one of our attorneys.
We serve clients nationwide. Our California offices are located in Beverly Hills and Costa Mesa, and we have an office in King of Prussia, Pennsylvania, as well. Contact us today to schedule a free initial consultation by calling 424-285-6006, toll free at 877-619-8966 or by filling out our online form.