Being in debt does not mean you can be harassed, intimidated, or threatened into paying someone money. Federal law protects you from such acts when they are carried out by third-party debt collectors. To learn more and to find out if you have a claim, please call the experienced attorneys at Long & Long, at 251-432-2277.
Get the Protection You Deserve
Dealing with your bills is stressful enough. You work hard for your money and do your best to pay your bills when they are due. But sometimes things happen that make it hard to make ends meet. Getting behind doesn’t mean that you lose your right to peace and quiet, the right to keep your personal business personal, and the right to be treated honestly with dignity and respect. Those rights deserve the same protection when your bills are current or the debt collectors are calling the wrong person.
Whether you owe money to someone or not, debt collectors may be calling you to try get paid. There are laws governing who debt collectors can call, what they can say, and how often they can call. Debt collectors might have the right to call you, but they do not have the right to break the law. If a debt collector violates the law, they deserve to be punished. We may be able to help you if debt collectors are:
- Calling you at work after being told to stop
- Trying to collect a debt you have told a collector you do not owe
- Falsely threatening law suits or arrests
- Calling your friends, family, or neighbors
- Calling you early in the morning or late at night
- Making your phone ring multiple times per day or week
- Insulting, harassing, intimidating, or abusing you
If any of these things are happening to you, call us today. We can make the calls stop and make the debt collectors pay for breaking the law.
What Is The Fair Debt Collection Practices Act?
This federal law protects debtors from harassment and threats by third-party debt collectors. This includes debt collection agencies or lawyers who are seeking to recoup a debt. It does not cover personal debts you may owe to a local store or to a friend.
The FDCPA stipulates that debt collectors may not use abusive, unfair, or deceptive means to try to recoup the money. You cannot be harassed just because you have a debt. A debt collector may only tell you about the debt and ask for payment.
Under this law, they may not:
- Pretend to be police officers or an official
- Misrepresent documents as being legal when they are not
- Say they will arrest you
- Threaten you with arrest
- Lie to you
If a collector violates this law, you have a certain amount of time to sue. You have rights, and you deserve an experienced, aggressive advocate on your side if your rights have been ignored.
Your Free Case Evaluation
We will review your claim for free, with no cost or obligation involved. The experienced attorneys at Long & Long are ready to provide guidance if you think you may be dealing with a FDCPA violation. Please call us today at 251-432-2277.