Right & Wrong Debt Collection Lawyers
Serving Clients Nationwide
Debt is a part of life in the United States. Most of us have loans to pay for our house, car, education, or home improvements. Sometimes, we lose control of our level of debt and can’t pay a bill. If it gets sent to a collections agency, they often use threats and coercion to make you pay up. They may even threaten to call your employer or garnish your wages. This is not legal and not ok. It is easy to feel threatened by the tactics they employ to recoup a debt. If you are intimidated by an agency trying to settle a debt, give us a call at LawZebra so that we can help you handle the situation.
Schedule a free consultation online or call our Consumer Rights Attorneys at (801) 820-9955.
Bad Debt Collection Practices
Debt Collectors have to treat you with fairness under the The Fair Debt Collection Practices Act.
Any debt collector who chooses to knowingly break the law and abuse your rights deserves to pay you for your losses or injuries.
You are Dealing with a Bad Debt Collector if They:
- Threaten to arrest you or have you arrested
- Threaten to suspend your driver’s license
- Call your employer or family and friends without reason (they can call others only if they cannot get ahold of you at all)
- Threaten you with violence or harm
- Use obscene or profane language
- Repeatedly harass you by phone
- Lie about the amount you owe
- Lie about being an attorney or government representative
- Falsely threaten to sue you
- Try to collect interest, fees, or other charges on top of the amount you owe (unless the original contract or your state law allows it)
- Deposit a post-dated check early
- Take or threaten to take your property (unless it can be done legally)
If a business has violated these consumer rights laws, you have the right to sue for damages against the bad debt collector.
Bad Debt Collection Practices
Debt Collectors have to treat you with fairness under the The Fair Debt Collection Practices Act.
Any debt collector who chooses to knowingly break the law and abuse your rights deserves to pay you for your losses or injuries.
You are Dealing with a Bad Debt Collector if They:
- Threaten to arrest you or have you arrested
- Threaten to suspend your driver’s license
- Call your employer or family and friends without reason (they can call others only if they cannot get ahold of you at all)
- Threaten you with violence or harm
- Use obscene or profane language
- Repeatedly harass you by phone
- Lie about the amount you owe
- Lie about being an attorney or government representative
- Falsely threaten to sue you
- Try to collect interest, fees, or other charges on top of the amount you owe (unless the original contract or your state law allows it)
- Deposit a post-dated check early
- Take or threaten to take your property (unless it can be done legally)
If a business has violated these consumer rights laws, you have the right to sue for damages against the bad debt collector.
Take the Next Step
Don’t let a bad debt collector ruin your good credit. Take action immediately to reduce the chance that their fraudulent actions can hurt your credit scores. Our attorneys at LawZebra work daily to protect the rights of consumers just like you. It is unfair that businesses like this get away with the tactics they use, but you can do something about their abuse today. Contact our experienced and knowledgeable attorneys today so that we can help you find relief from their harassment. We work on cases involving abuse of consumer rights across the nation and we want to help you today.
Schedule your free consultation today online or by calling (801) 820-9955.