Agruss Law Firm, LLC, Explains The Most Common Debt Collection Violations

The Fair Debt Collection Practices Act (FDCPA) as been around for almost 35 years.  The FDCPA is a federal law that applies to every state.  In other words, everyone is protected by the FDCPA.  The FDCPA is essentially a laundry list of what debt collectors can and cannot do while collecting a debt, as well as things debt collectors must do while collecting a debt.  Below is a list of the most common debt collection violations.  If a debt collector has done anyone of the following, contact Agruss Law Firm, LLC, for a free case evaluation.

1. Called you after you told the debt collector to stop calling you.
2. Called you about a debt you do not owe.
3. Continued to call you after you have told the collector you cannot pay the debt.
4. Communicated (phone or letter) with you after you filed for bankruptcy.
5. Communicated (phone or letter) with you after you told the collector you have a lawyer.
6. Called you before 8:00 a.m. or after 9:00 p.m.
7. Called you at work after you told the collector you cannot receive such calls at work.
8. Left you a voicemail message without saying the company’s name.
9. Left you a voicemail message without saying that the call is from a debt collector.
10. Called third parties (family, friends, co-workers, or neighbors) despite knowing your location information.
11. Disclosed to a third party that you owe a debt.
12. Communicated (phone or letter) with you after you mailed the collection agency a cease and desist letter. 
13. Threatened you with legal action or wage garnishment.
14. Threatened to report you to the credit bureau.
15. Threatened to issue a warrant for your arrest or have you arrested.
16. Pretended to be a lawyer or acted like the call was from a law firm.
17. Threatened to file a lawsuit against you even though the debt is beyond the statute of limitations.

Contact Information

Michael Agruss

Founding Attorney

Agruss Law Firm, LLC

(1) 312-224-4695

michael@agrusslawfirm.com