Springfield FDCPA Violations Lawyer

Missouri Stop Creditor Harassment Attorney

Since the Fair Debt Collection Practices Act (FDCPA) was enacted in 1977, the Act has been protecting Americans with debt from illegal debt collection practices. At the Consumer Law Clinic, we focus on making sure that debt collectors are not using abusive or illegal practices in an effort to get you to pay your debts.

If a third-party debt collector is contacting you, they cannot violate the rules of the FDCPA. If you are a victim of any of the following FDCPA violations, contact a debt relief attorney the Consumer Law Clinic. You may also view the FDCPA overview page for more information on this federal law.

WE SUE ABUSIVE DEBT COLLECTORS WHO VIOLATE THE FDCPA

FDCPA Violations

Under the federal law, debt collectors cannot, for any reason engage in any of the following activities in an effort to collect debt:

• Harass, oppress, or abuse any person
• Use threats of violence or harm against you, your property, or your reputation;
• Publish a "deadbeat list" of consumers who refuse to pay their debts, except to a credit bureau;
• Advertise the debt;
• Use obscene or profane language;
• Repeatedly use the telephone to annoy you;
• Call before 8:00 am or after 9:00 pm;
• Call at other times they knew or should have known was inconvenient;
• Use false statements when collecting a debt;
• Use false, deceptive or misleading representations as to their identity, such as falsely implying they are attorney or government representative;
• Falsely imply that you have committed a crime or say that you will be arrested if you don't pay your debt;
• Falsely represent they are employed by a credit bureau;
• Misrepresent the amount of your debt;
• Ask you to pay more than you owe;
• Ask you to pay interest, fees, or other expenses that are not allowed by law or are not in your original credit or loan agreement;
• Misrepresent the involvement of an attorney in collecting a debt;
• Indicate that papers being sent to you ARE legal forms when they ARE NOT;
• Indicate that papers being sent to you ARE NOT legal forms when they ARE;
• State that they will seize, garnish, attach, or sell your property or wages unless they or the creditor intends to do so and it is legal to do so;
• Give false credit information about you to anyone;
• Make you accept collect calls or pay for telegrams;
• Deposit or threaten to deposit a post-dated check prematurely.
• Inform a third-party 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)
• Collect any amount greater than your debt, unless allowed by law.

If you think that you have been abused by a debt collector in violation of the FDCPA, call us at 417-8NO-DEBT and let us see if we can help. WE SUE ABUSIVE DEBT COLLECTORS.