12 Things Debt Collectors Can’t Do When Collecting Debts

July 10, 2015

When people miss payments on their debts, debt collectors will usually start contacting them. How this contact happens – what debt collectors are not allowed to do during it – is governed by the Fair Debt Collection Practices Act (FDCPA).

Below, we’ll point out some of the things that the FDCPA specifically prohibits debt collectors from doing when attempting to collect from consumers.

Under the FDCPA, Debt Collectors Cannot…

  1. Colorado Springs Bankruptcy attorney 12 Things Debt Collectors Can’t Do When Collecting Debts

    Here’s what debt collectors are prohibited from doing, according to the FDCPA, an experienced Colorado Springs bankruptcy lawyer explains. Contact us for help resolving your debt issues.

    Contact you between 9 pm and 8 am in your local time zone

  2. Keep contacting you after you have sent them a written request to stop contact
  3. Keep contacting you at work if you have verbally told them not to do so
  4. Keep contacting you after you request a debt validation if they have not yet sent you this validation
  5. Incessantly or continuously call you to try to irritate or harass you
  6. Contact you if you are represented by an attorney – Instead, they will have to contact and deal with your lawyer.
  7. Lie about the nature of the debt or who they are in an effort to try to collect the debt – For instance, it’s illegal for debt collectors to tell you that they are cops or lawyers or that you’re going to be incarcerated if you don’t pay your debt.
  8. Put your name on a “bad borrower” list or threaten to do so.
  9. Use abusive or profane language towards you when trying to collect from you.
  10. Try to get you to pay amounts that have not been agreed upon or that are not permissible according to state law
  11. Reveal information about your debt to third parties (except for your lawyer and your spouse)
  12. Report false information about you to any of the credit reporting bureaus.

When debt collectors violate the FDCPA and attempt to use deceptive or unfair tactics to try to get someone to pay on a debt:

  • It’s important to report the incident to the Federal Trade Commission, which will investigate it and work to hold abusive debt collectors accountable.
  • Debt collectors can be ordered to pay $1,000 in fines, as well as “reasonable” attorney fees, etc.

Colorado Springs Bankruptcy Lawyer at the Law Office of Jon B. Clarke, P.C.

Are you struggling with debt and ready for a financial fresh start? If so, it’s time to contact a trusted Colorado Springs bankruptcy lawyer at the Law Office of Jon B. Clarke, P.C.

To find out more about your best debt relief options, as well as how we can help you obtain the financial fresh start you need and deserve, contact us today by calling (303) 779-0600 or by emailing us using the contact form on this page. We also encourage you to complete our Business or Consumer Debtor Analysis Form so that we can provide you with professional advice that is as specific and helpful as possible.

From our offices based in Denver and Greenwood Village, we provide people throughout Colorado with the highest quality debt relief legal services.

Categories: Debt