Debt Collectors Are Prohibited From Doing Lots Of Things
- Threatening lawsuits, garnishment, liens, or arrest for not paying a bill
- Calling your family, friends, neighbors or employers to collect a debt
- Leaving abusive phone messages
- Insulting, yelling or swearing at you
- Calling your workplace after telling the collector not to call you there
- Lying, threatening, or otherwise harassing you in any way
If you have suffered from any of these abusive bill collection practices, you may be entitled to compensation. We can help any consumer who is currently in collections, or has suffered from collection harassment. Call us today at (612) 379-8800 to speak with an attorney and get a free phone consultation on your case.
Robo-Calls To Your Cell Phone Are Illegal
- Robo-messages and voicemails to your cell phone without your express consent
- Sales and marketing texts sent to your cell phone without your express consent
- Repeated hangup calls to your cell phone
- Robo-calls to your cell phone without your express consent
It's generally against the law for debt collectors to make robo-calls and to leave robo-messages on your cell phone. It is illegal for salespeople and others to make these calls without your prior express consent. If you have suffered from any of these abusive practices, call us today. You may be entitled to compensation.
What To Do If You're Abused By A Collector
If you're contacted by a debt collector, you have a right to dispute the debt verbally or in writing. If you want to preserve some rights under the FDCPA, you must send a written dispute within 30 days of your receipt of the first "validation notice" from the debt collector. Even if you owe the debt, or you cannot pay it, you still have rights under the FDCPA. Most of our clients owe the debt being collected but because of financial circumstances, or a dispute over the goods or services, they cannot pay it. In order to preserve your rights under the law, it's important for you to keep good records of all of the contacts. Click here to see our collections communications log.
Important Steps You Can Take To Help Your Case
- Save copies of all letters and notices from collection agencies
- Save all phone messages and voice mails- this is very important!
- Take screen shots or pictures of each caller ID screen showing a debt collection and/or robo-call
- Make note of your conversations with these bill collectors
- Call us to help you recover your damages
There Is No Fee In Your Case Unless We Recover
The law says that any debt collector who violates your rights may be made to pay you statutory damages of up to $1,000, actual damages, and attorney's fees and costs, if you win your FDCPA case. If we agree to represent you in an FDCPA case, you won't pay any attorney's fees unless we recover on your behalf. You may be responsible for any other costs in your lawsuit.