Debt Collection Harrassment

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    Debt Collectors

    Debt Collectors are governed by the Fair Debt Collection Practices Act (“FDCPA”). A debt collector, under this law, is a third party to the debt that attempts to collect a consumer type debt.

    Under this federal law, there is information that they are REQUIRED to give you. There is also a pile of things that they cannot say. The FDCPA is your friend. Use it. How? Here are some examples of how third party debt collectors violate the FDPCA:

    • Calling you before 8 a.m. or after 9 p.m.

    • Calling you after you have instructed them to stop

    • Calling third parties and informing them of the debt such as friends, family and employers

    • Calling you repeatedly, especially after you have told them to stop contacting you.

    • Threatening you with garnishment, judgment and property seizure when they don’t have the present right or intention of taking that action

    • Threatening you with law enforcement

    • Failing to send you a written demand letter; that identifies the debt and the creditor and your rights to dispute the debt

    • Continuing attempts to collect a debt after you have demanded validation of the debt and they have not provided it

    • Lying, swearing or cursing at you

    • Calling you on your cell phone after you have told them to stop… AND MANY MORE

    If you are uncertain whether you have a case under the FDCPA, contact us for a free, no obligation consultation. You can reach Attorney Gary Nitzkin, licensed in MI only at [email protected] or call us at (404) 591-6680

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