Dealing with debt collectors can be very stressful, especially if they call continually. Sometimes debt collectors will leave voicemails trying to intimidate you or they might even threaten you which can send your anxiety through the roof. But when you know your rights and you know what debt collectors aren’t allowed to do those collections calls won’t be nearly as scary and stressful. You should know what your right are under the FDCPA and always hold debt collectors accountable if they violate your rights.
What Is The FDCPA?
The FDCPA is a law that was passed to protect people from shady collection practices. The full name of the law is the Fair Debt Collection Practices Act and it lists what debt collectors are allowed to do and what they’re not allowed to do. The FDCPA is why debt collection agents can’t call you over and over again all day and all night long. It’s also why they can’t call your friends and relatives and tell them you owe a debt trying to humiliate you or intimidate you. There are a lot of rules that debt collectors have to follow, including rules about voicemails.
Why Debt Collectors Can’t Leave Voicemails Without Violating The FDCPA
Debt collectors are technically allowed to leave you a voicemail. However, they must identify themselves as debt collectors. And they cannot talk about your debt to anyone else. They can’t even say that you owe a debt to another person. So, if they want to leave you a voicemail on your work voicemail that your boss or your HR department has access to they are not allowed to say they are debt collectors because that would be violating the FDCPA and telling someone that you owe a debt.
But if they don’t identify themselves they are violating the FDCPA. It’s impossible for a debt collector to leave you a voicemail at work without violating the FDCPA and you can file a claim against them if they leave you a voicemail at work.
Threats And Harassment From Debt Collectors Violate The FDCPA
It can be very frightening when debt collectors use threats and intimidation against you but according to the FDCPA they are not allowed to threaten you or intimidate you. If they threatened you in a voicemail you can file a claim against the debt collector for that.
An FDCPA Attorney Can Help
It’s hard sometimes to know if a debt collector has crossed the line and violated the FDCPA. An attorney that has years of experience in FDCPA cases can help you figure out if your rights were violated by a debt collector and that attorney can also help you file a claim against the debt collector due to those violations.
*Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against Donald R. Conrad, PLC or any other third-party collection agency, you may not be entitled to any compensation.