Fair Debt Collection

FAIR DEBT COLLECTION PRACTICES ACT (FDCPA)

The Attorneys at Freedman & Lorry protect your rights against abusive and deceptive debt collectors. Under the Fair Debt Collection Practices Act, a federal law, you are protected from certain behavior by debt collectors.

Debt Collectors cannot:

• contact you before 8:00 am in the morning or after 9:00 pm at night unless you agree to it
• contact you at work if you tell them that you are not allowed to get calls at work
• Threaten violence or harm.
• Use obscene or profane language.
• Publish a list of people who owe them money.
• Contact you by postcard.
• Tell you that you will be arrested if you don’t pay your debt.
• Repeatedly use the telephone to call you for the purpose of annoying you.
• Misrepresent the amount that you owe the debt collector.
• State that they are attorneys or governments official when they are not.
• Falsely state that you have committed a crime.
• If a debt collector has violated this law, you have rights under the FDCPA, including legal action against the debt collector. You also have protection under state law.

If you have further questions about your rights as a consumer, please contact us or call 1 (888) 999-1962.