The federal Fair Debt Collection Practices Act (FDCPA) and California Rosenthal Fair Debt Collection Practices Act (RFDCPA) prohibit creditors and debt collectors from using unfair, abusive, and harassing tactics to collect a debt. If a debt collector is harassing or abusing you, you may be able to sue them, with no upfront cost to you.
What is Creditor Harassment or Abuse?
Under the FDCPA and RFDCPA many common tactics of debt collectors and creditors are considered harassment or abuse, including:
- Repeatedly calling a telephone number or letting the phone ring
- Calling a consumer before 8:00 a.m. or after 9:00 p.m.
- Using profane, obscene, or abusive language
- Not properly identifying themselves as a debt collector
- Failing to provide verification of a debt to the consumer
- Attempting to collect interest or fees not authorized by the original agreement
- Falsely implying that a consumer is committing a crime by not paying a bill
- Attempting to collect interest or fees not authorized by the original agreement
This list does not include all of the ways that a debt collector or creditor might harass or abuse you, and the Act covers many other unfair, abusive, and misleading tactics that might be used by a collection agency to get a consumer to pay a debt.
How Much Does it Cost to Hire an Attorney for FDCPA Matters?
It doesn’t cost you anything to hire us for a FDCPA matter. At the Law Office of Paul Mankin, there are no upfront fees when you hire us to stop a debt collector or creditor from harassing you, and we only get paid if we win. The debt collector may pay our fees or we may split any cash settlement with you.
If a debt collector or creditor is harassing or abusing you, please contact our office at 1-800-219-3577, for a free, no obligation consultation.