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Creditor's Rights

IF YOU HAVE EXPERIENCED ONE OF THE FOLLOWING, THEN YOU MAY HAVE A CASE AGAINST THE DEBT COLLECTOR. YOU COULD WIN UP T0 $1,000.00 (remember, you do not pay a penny – we will pay for all costs):

  1. Call you before 8am or after 9pm or call you at work more than once.
  2. Call third parties (beside your spouse) more than once to try to locate you or tell anyone else (apart from your spouse) that the collector is trying to collect a debt from you.
  3. Contact you after you have written to the debt collector and asked them not to contact you.
  4. Try and collect on a debt that is not valid or has been paid already.
  5. Debt collectors cannot lie to you or use deceptive methods in trying to collect a debt.
  6. Leave a message on an answering machine without saying that the collector is trying to collect a debt; he must leave his name and his company.
  7. Say or imply anything about arrest, going to jail, or the like.
  8. Threaten to sue you when the collector has no intention of doing so.
  9. Threaten to garnish your wages without explaining that first the creditor must file suit and get a judgment.
  10. Say or imply anything about taking cars, furniture, or any other property and putting liens against your property – again a debt collector has to first sue you and obtain a judgment against you before it can do this.
  11. Sue you on the debt except a) where you live now or b) where you entered into the debt agreement. 
  12. Embarrass you by saying things like: “You are a deadbeat; why don’t you pay your bills; you are a disgrace; why don’t you get rid of your spending spouse.” Things like that.
  13. Use profane or other abusive language, shout, scream, or get angry with you or threaten to use violence.
  14. Give the impression that the caller or his company has some connection with the government, the courts, the police, other law enforcement, etc.
  15. Try to collect the wrong amount: add small fees, for instance.
  16. Call you repeatedly. A call a week is OK. More than one call a week is harassment. Certainly more than one call in the same day is an abuse, particularly if you hang up and the collector calls right back.

These are just some of the common illegal debt collection practices. The Fair Debt Collection Practices Act (FDCPA) bans just about any abusive, dishonest and unfair debt collection practices that might affect the quality of your life greatly.