Understanding Your Rights Under the Fair Debt Collections Practice Act
Our Birmingham & Tuscaloosa Bankruptcy Lawyers can identify Illegal Debt Collection Practices
Are you being harassed by collection agents attempting to collect debts on behalf of one or more of your creditors? Collection agents are subject to the Fair Debt Collection Practices Act (FDCPA) which prohibits collection agents from unfair, deceptive, and abusive collection practices. If you feel you are being treated unfairly by a collection agent, look over the list below to see if you are the victim of illegal collection practices. If you identify one or more of these practices, you may have a cause of action against the debt collector. To find out more about your rights, call our Birmingham and Tuscaloosa Bankruptcy lawyers to find out how to turn the tables on unscrupulous collection agents. Our Birmingham & Tuscaloosa lawyers do not charge for your initial consultation and you will never be charged a fee in a FDCPA case unless we recover money for you. Call today to find out how to protect yourself and your family.
FAIR DEBT COLLECTION PRACTICES ACT
The following are possible violations of the FDCPA:
• Calling the client’s place of employment after the debt collector knows the client’s employer prohibits calls or the client asks the debt collector not to call at work anymore.
• Threatening that nonpayment will result in imprisonment, garnishment, and/or liens.
• Disclosing to third parties that debts are owed.
• Contacting any third party more than once, unless requested to do so by the third party.
• Contacting a third party when the debt collector already knows how to contact the client.
• Threatening to do anything the debt collector isn’t allowed to do (If you don’t pay, we are going to……Call parents, boss, sheriff, etc.).
• Contacting any person (other than the attorney) after knowing the client is represented by an attorney.
• Failing to identify themselves to the client or to third persons (or misrepresenting their identity).
• Contacting the client after receiving a cease and desist letter.
• Harassing, oppressing, insulting or verbally abusing the client (it’s a matter of degree).
• Threatening force or criminal means to harm the client or their property.
• Using profane language.
• Calling repeatedly on the same day (example = 10 times a day).
• Implying debt collector is an attorney when it is not.
• Threatening to sue when the debt collector is not an attorney/law firm.
• Threatening to take any action debt collector doesn’t intend to take or otherwise lying or making misrepresentations.
Call today to schedule your free, no obligation consultation, with our experience bankruptcy lawyers. Don’t be a victim to of unlawful collection practices.
How to Get Help and Get Out of Debt
When you are ready to get out from under your crushing debt, give Melinda Dionne a call at 205-349-5911 (Tuscaloosa) or 205-453-1012 (Birmingham) or click here. When you call, tell our assistant, Ginny, that you are a website reader and she will set you up with a free, no obligation, consultation to see how Melinda can help you start living again.
Tuscaloosa Office: 9217 Old Greensboro Road, Tuscaloosa, Alabama 35405 (205) 349-5911; Birmingham Office: 4 Office Park Circle, Suite 214, Birmingham, Alabama 35223 (205) 453-1012.
The law firm of Melinda Murphy Dionne represents clients in Central and West Alabama including Birmingham, Tuscaloosa, Centerville, Fayette, Jasper, Moundville, Tuscaloosa County, Bibb County, Blount County, Fayette County, Greene County, Hale County, Jefferson County, Lamar County, Perry County, Pickens County, Shelby County, Sumter County and Walker County.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code. No representation is made that the quality of legal services to be performed is greater than the quality of legal services performed by other lawyers.