Has your phone been ringing off the hook about a debt you owe? If a third-party collection agency is calling you, they may be in violation of the Fair Debt Collection Practice Act (FDCPA), which protects consumers from abusive behaviors and harassment.
In fact, calling too often is a common violation of the FDCPA. If a debt collector causes your phone to ring often with the direct intent to harass or annoy you, he or she is violating the FDCPA. If a debt collector is calling often simply to get in contact with you, he or she may not actually be in violation of the FDCPA. It primarily depends on the purpose of the phone call.
If your phone has been ringing often due to debt collectors, it is time for you to contact a creditor harassment attorney. An FDCPA attorney knows your rights and whether or not you might be eligible for a claim. In fact, if you have suffered from emotional distress due to the endless phone calls, you may be entitled to additional damages. A creditor harassment attorney can help you determine just how much you are entitled to, and help you win your claim in court.
The following collection agencies have all been accused of violating the FDCPA. Consumers have taken them to trial to try to win compensation for their violated rights.