FDCPA, TCPA and FCRA violations
Here are some common FDCPA violations perpetrated by debt collectors:
Contacting you at your place of employment after being asked not to.
Failing to warn a debtor on every communication that the contact attempt is from a debt collector and that any information obtained will be used to collect a debt.
Contacting you before 8am or after 9pm.
Notifying anyone about the debt other than your spouse.
Calling the debtor an unreasonable number of times daily or after they have been instructed to stop calling.
Threatening law suits, garnishments or any other legal activity!
Collecting on the wrong debt amount.
Collecting and/or reporting on your credit, a debt that is not yours.
Calling you on your cell phone and asking for the wrong person.
Falsely threatening to ruin a debtor’s credit.
Learn more about Telephone Consumer Protection Act
The TCPA protects all of us from robocalls and spam texts that invade our privacy and disrupt our lives.
You can collect $500 – $1500 for every call or text you receive from an auto-dialer.
An auto-dialer is software that automatically dials telephone numbers, also known as robocallers. Once the call has been answered, the auto-dialer either plays a recorded message or connects the call to a live person. If you have been receiving unsolicited robocalls and spam text messages, you are entitled to damages. Spam texts are not only disruptive, but depending on your cell phone plan, they may end up costing you money!
Banks, Collection Agencies & Telemarketers Must Follow These Rule:
May not call or text to your cell phone without your consent
May not place auto-dialed calls or texts to your cell phone after you’ve told the caller to stop.
If you have not given a business or organization permission to call or text, you may be able to sue them for $500 – $1500 per violation. Make sure you keep a record of every single call, date and time. The consumer protection attorneys at Law Offices of Michael Lupolover, PC know your rights under the TCPA and will take action. Submit the free case review form now to get started.
State and federal fair debt laws prevent debt collectors from using harassing, misleading, dishonest and unfair debt collection practices. These laws provide that victims of debt collector abuse can recover cash compensation from debt collectors, and require the collectors to pay all legal fees.
Debt collectors routinely violate federal consumer protection laws in order to attempt to collect on a debt. They know that the average consumer doesn’t understand the laws that are in place to protect them from unlawful collection practices, nor do they believe that even if you did understand that you know how to enforce your rights.
Receive up to $1000.00 For Statutory Or More For Actual Damages!