FDCPA (Debt Collection Harassment)

FDCPA (Debt Collection Harassment)

Debt Collection Harassment Is Against The Law

Are debt collectors causing your telephone to ring off the hook? Are debt collectors threatening you over the telephone? Are debt collectors calling you at work?

Make Them Pay You

The Fair Debt Collection Practices Act (FDCPA) is a federal law that was enacted by Congress to stop abusive, deceptive, and unfair debt collection practices by debt collectors. If you believe that you are, or have been, the victim of abusive debt collection practices, please contact the Law Offices of Matthew W. Kiverts for a free consultation. We can help you turn the tables on the debt collectors—and make them pay you!

Your Consumer Rights

If a debt collector violates the FDCPA in its attempts to collect a debt from you, you may be entitled to the following:

• Up to $1,000 for a debt collector’s violation of the FDCPA

• Possible reduction or even elimination of the underlying debt

• Actual damages that may result from a debt collector’s harassment

• Put an immediate STOP to debt collection harassment

• Never receive another telephone call from the debt collector again

• Have your credit report cleared of negative reports

NO LEGAL FEES – 100% free legal help – if we recover money for you, the debt collector will have to pay our legal fees; and, if we are unable to recover money for you, you pay nothing!

Common FDCPA Violations

While many debt collectors are aware of the FDCPA and take steps to follow it, a substantial number of others will cross the line in their attempts to obtain payment from you. They are hoping that you are not aware of your consumer rights and the legal restrictions of what they can and cannot do.

Some common FDCPA Violations are:

• Not properly identifying the debt collector

• Annoying, abusing, or harassing people by calling repeatedly or letting the phone ring continually

• Using obscene, profane, or other abusive language

• Implying or falsely representing their affiliation with the state or Federal Government

• Implying that they are an attorney when they are not

• Falsely representing or implying the type, amount, or legal status of the debt

• Threatening to take action that is not legal

• Advertising a debt as being for sale to force payment by the debtor

• Using or threatening to use violence or other criminal means to harm the debtor, the debtor’s reputation or their property

• Threatening to take action, they do not intend to take

• Communicating or threatening to report false credit information

• Using false or deceptive means to collect or attempt to collect a debt

• Using any false or deceptive means to collect information about a debtor

• Representing that the debt collector is part of, operates, or is employed by a consumer credit reporting agency

• Publishing a list of debtors who allegedly refuse to pay debts

• Collecting or attempting to collect a fee or charge unless it was authorized by the original debt agreement or permitted by law

• Falsely representing or implying that the debtor committed a crime or other conduct to disgrace the debtor

• Using communications that appear to be from a court, government but are not

• Using a post card to contact a debtor about a debt

• Implying that nonpayment will result in arrest, imprisonment, garnishment of wages, seizure of property, or sale of property, unless the action is legal and actually intended.

• Failing to communicate that the information obtained is used to help collect the debt

• Failing to disclose in the initial communication that the debt collector is attempting to collect a debt and any information obtained will be used for that purpose

• Failing to disclose in communications that the communications are from a debt collector

Contact Us Today

If you believe you are being or have been harassed by a debt collector, we can help you fight back! To learn more about your consumer rights and the FDCPA, contact the Law Offices of Matthew W. Kiverts for a free consultation with an FDCPA attorney. Please contact us by phone at (312) 632-1017, or by email at istopdebtcollectors@gmail.com.

Disclaimer: The information you obtain on this site is not, nor is it intended to be, legal advice. You should consult an attorney for advice regarding your individual situation. We invite you to contact us and welcome your calls, letters and electronic mail. Contact us does not create an attorney-client relationship. Please do not send any confidential information to us until such time as an attorney-client relationship has been established.