Consumers may not realize they have rights under the federal Fair Debt Collection Practices Act, a law that also allows them to file lawsuits to collect up to $1,000 from debt collectors that cross the line.  Also, consumers are urged to lodge complaints about such illegal practices with their state attorney general and the FTC.

Being contacted by a collection agency for a debt you cannot pay is frustrating but when they resort to illegal tactics to try to get you to pay, it can become overwhelming and discouraging.  At Teel & Maroney, PLC, we understand the stress associated with being in debt and are strongly committed and invested in protecting the rights of our clients.

Upon filing a petition for bankruptcy, the automatic stay rule is invoked and all contact from creditors MUST cease immediately.  For more information, please visit our website or email me at:  Jerome@tennesseefirm.com.  731-424-3315.

Here are just some of the illegal tactics used by unethical debt collectors:

  1. Making Threats- It’s illegal to threaten anyone to try to get them to pay a debt.
  2. Pretending to be Someone Else- Debt collectors must identify themselves and who they work for but a common tactic is to pose as government employees, lawyers and others for the purpose of intimidation.
  3. Calling at Odd Hours- Creditors are permitted to contact you about your debts, but the FDCPA is in place to regulate how and when you may be contacted, in addition to what collectors can and cannot say.
  4. Contacting Third Parties- If the debt collector knows you are represented by a lawyer, they can contact them regarding your debt. Otherwise, everyone else is off-limits.
  5. Harassment- Unending calls at home and work, name-calling and visits are tactics that many debt collectors use.

Link is below for more about the Fair Debt Collection Practices Act:   https://www.consumer.ftc.gov/articles/0149-debt-collection



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