It'll be impossible to file an FDCPA claim against a third-party debt collector who's harassed you unless you know your rights as a consumer. The FDCPA explicitly bans third-party collectors from partaking in certain harassing and abusive debt collection methods. Even with this protection, many debt collectors choose to violate the FDCPA in an effort to collect your alleged debt. Here are some questions you can ask yourself to determine if your rights have been violated:
- Has a third-party debt collector called you early in the morning or late at night?
- Have your friends or coworkers heard about your debt from a collector?
- Did you receive embarrassing mail regarding your alleged debt?
- Has a third-party debt collector called you endlessly?
- Did a third-party collector ignore your written request to cease communication?
- Was income removed from your bank account to pay off a debt?
- Did a debt collector threaten to sue you?
- Did a third-party collector pretend to be a police officer or other legal official?
- Were you asked to pay more than you actually owe?
If the answer to one or more of these questions is "yes," you may be the victim of debt collection harassment. It is illegal for third-party collectors to pursue illegal activities in the hopes of receiving a payment from you. You might be entitled to a settlement--You may earn up to $1,000 per violation, plus any additional damages if your life was negatively impacted by the harassment and abuse. To have the best chance of winning your FDCPA claim, you should connect with an attorney in your area. Fair debt collection attorneys will help determine if you are eligible for a settlement. Fill out a Free Evaluation today--You won't need to pay your attorney if you win your case. The harassing party will.