Fair Debt Collection Practices Act (FDCPA) Violations

The collector cannot misrepresent the amount you owe. [15 USC 1692e] § 807(2)(a)

The collector can't add on any extra fees that your original credit or loan agreement doesn't allow. [15 USC 1692f] § 808(1)

The FDCPA considers repeat calls as harassment. [15 USC 1692d] § 806(5)

Using this kind of language is considered harassment. [15 USC 1692d] § 806(2)

Calls during these times are considered harassment. [15 USC 1692c] § 805(a)(1)

Calls at these times are considered harassment. [15 USC 1692c] § 805(a)(1)

Collectors can't threaten violence against you. [15 USC 1692d] § 806(1)

Collectors can't threaten to sue or file charges against you, garnish wages, take property, cause job loss, or ruin your credit when the collector cannot or does not intend to take the action. [15 USC 1692e] § 807(5)

Unless you have expressly given permission, collectors are not allowed to inform anyone about your debt except:

• your attorney
• the creditor
• the creditor's attorney
• a credit reporting agency
• your spouse
• your parent (if you are a minor)

[15 USC 1692c] § 805(b)

The collector can only contact a third party once unless it has reason to believe the information previously provided is false. [15 USC 1692b] § 804(1)

A collector is not allowed to contact you at work if you’ve let them know your employer doesn’t approve of these calls. [15 USC 1692c] § 805(a)(3)

Within five days of the collector's initial communication, it must send you a notice include the amount of the debt, name of the creditor, and notice of your right to dispute the debt within 30 days. [15 USC 1692g] § 809(a)

A collector can't continue to collect on a debt after you've made a written request to verify the debt as long as the request was made within 30 days of the collector's written notice. [15 USC 1692g] § 809(b)

After receiving your written dispute, the collector must stop collecting on the debt until you have received verification. [15 USC 1692g] § 809(b)

If you make a written request for the collector to cease communication, it can only contact you one more time, via mail to let you know one of the following: that further efforts to collect the debt are terminated, that certain actions may be taken by the collector, or that the collector is definitely going to take certain actions. [15 USC 1692c] § 805(c)