Abusive, unfair and unethical practices of debt collectors have become so prevalent there no longer is any foolproof manner by which it can be entirely stopped. However, it can be greatly minimized by the Fair Debt Collection Practices Act (FDCPA).
This federal law prohibits numerous inappropriate conducts of collection agencies and allows consumers to get some relief through civil claims. However, some of the practices of debt collectors are so bad that it already borders the criminal. In most states, additional regulations are enacted to provide consumers with better protection from them.
FDCPA in New Hampshire
In New Hampshire, besides the full implementation of the federal FDCPA, the state also enacted its own versions of the FDCPA via its New Hampshire Debt Collection Act under RSA 358-C, and the New Hampshire Consumer Protection Act, under RSA 358-A. Violation of any of these laws will render the debt collector legally liable.
The prohibitions under the New Hampshire collection laws are quite comprehensive, and coupled with the federal FDCPA, debt collectors have no choice but to act professionally. Some of the practices of collection agencies which are deemed deceptive, unfair and unreasonable under these laws include, among others, the following:
- Engaging debtor to telephone conversations, or just causing the phone to ring, repeatedly or continuously at unusual or inconvenient times;
- Use of insulting, vulgar, profane or obscene language;
- Failure to provide legally required information in written communications, such as names of debtor and debt collector, and the latter’s address;
- Use of threats of violence,
- Numerous other prohibitions.
A better understanding of your situation as it corresponds to the pertinent laws may be achieved through the help of a New Hampshire FDCPA attorney.
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New Hampshire Statutes of Limitations on Debts
The FDCPA and the New Hampshire collection Acts covers various consumer debts that include the following:
- Household debts
- Personal loans
- Family debts
- Credit card debts
- Medical bills
- Mortgages
- Promissory notes
- And other written or orally contracted debts
All these have a statute of limitation (SOL) of 3 years in New Hampshire. When the SOL expires, many debt collectors can still try to collect from you since the debt does not expire with it, but no legal claim will be valid after the SOL.
Ask for help from a New Hampshire FDCPA attorney if you feel your rights are violated under the FDCPA and the state Acts.
What an FDCPA Attorney in New Hampshire Can Do
If you want to hold an unscrupulous debt collector liable for his violations of the law, the best person to help you do it is a New Hampshire FDCPA attorney. With the number of applicable federal and state laws that protect you, it can easily turn confusing which path to take.
For instance, in the pursuit of trying to put collection agencies in their proper place, some debtors will file the applicable criminal charges for a collection issue, such as in Robinson v. Fimbel Door Co., 113 N.H. 348 (1973).
To make sure you take the route what will provide you the most advantage and give you a better chance of winning a case against an abusive debt collector, it is best to seek the advice and assistance of an FDCPA attorney in New Hampshire.
Residents of the state, whether those in Manchester, South Hampton or even the smallest cities, the collections laws and the FDCPA will be able to protect you.
Get a Free Evaluation
Do not allow abusive debt collectors go unpunished. If you feel that the actions of your collecting agency violate the FDCPA, avail of a Free Evaluation now and get your case reviewed. From this assessment, it will be determined if you have a strong case to claim for damages.
A New Hampshire FDCPA attorney will be connected to you to help you with this legal procedure.