Fair Debt Collection Act
Federal laws regulate how companies can collect debts from consumers. The laws are specifically targeted towards consumers – they do not include debts for businesses. Collectors are limited in how they can contact you to collect debts too. They cannot harass you or intimidate you while trying to collect on a debt. The law provides that you can request the debt collector not contact you. The request must be in writing, however, and it does not preclude the collector from contacting you to let you know it will be filing a lawsuit against you.
Collectors also cannot misrepresent their plans for collecting a debt. For example, they cannot threaten to garnish your wages unless they have a judgment and are entitled under the law to seek garnishment. They cannot represent documents as legal court documents if it is not accurate. They also cannot contact third-parties like your employer about your debt other than to obtain basic information such as your address.
Fair Debt Collection Lawyer
If you believe a debt collector has violated the law, you may be entitled to take legal action. You can seek damages for lost wages or medical bills incurred as a result of the debt collector’s actions. A judge may award up to $1,000 in damages even if you cannot demonstrate concrete medical or wage loss damages.
Keep in mind that even if a debt collector violates the law and harasses you, your debt still exists. You can sue for damages, but the original debt is not erased.