The Fair Debt Collection Practices Act (FDCPA) is intended to prevent abusive debt collection practices and provide consumers with a method for disputing or determining the accuracy of a debt. Debt collectors will often attempt to collect debts that have already been paid or discharged through bankruptcy. If the communications from a debt collector become harassing or threatening, you may have claims for improper debt collection practices.
Improper debt collection practices include the following:
- trying to collect a debt that was paid or discharged
- trying to collect from an individual that does not owe the debt
- Harassing communications
- threatening to take illegal action
- making false statements or misrepresentations
- failing to disclose information about the debt or verify the debt
- improperly sharing information
If you believe you have been subject to improper debt collection practices, get in contact with one of our attorneys to discuss your rights.