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Threats of harm, obscene or profane language, and repeated phone calls to annoy you are prohibited. Debt collectors are not allowed to publish lists of consumers who have not paid their debts or call your friends, family members, neighbors, or coworkers, except to obtain an updated address or phone number. False statements and misrepresentation: Debt collectors are prohibited by law from lying or falsely identifying themselves to collect a debt. They are not allowed to pretend to be attorneys, representatives of credit reporting agencies, or government representatives. Neither can they threaten you with actions they are not legally allowed to take. Attorney representation: If a debt collector is aware that an attorney is representing you concerning your debt, the debt collector must cease contacting you and contact your attorney instead. If you have an attorney and a debt collector contacts you, provide the name of your attorney, after which all direct contact should stop. Written directive to cease contact: If you tell a debt collector in writing to stop contacting you, the debt collector is prohibited from further contact except to tell you that there will be no further contact or to notify you of a specific legal action being taken.

9 p.m., unless you agree. A debt collector also may not contact you at work if the collector knows that your employer disapproves of such contacts. You can stop a debt collector from contacting you by writing a “cease. Desist” letter to the collector telling them to stop. Note that simply telling a collector to stop calling you is insufficient to invoke your right to stop the collector from contacting you. You may stop a collector from contacting you only by doing so in writing. Can A Debt Collector Contact Anyone Else About My Debt? A debt collector may contact your spouse, your attorney, the creditor or the credit reporting agency in connection with your debt. If the bill collector contacts anyone else, then he has violated the FDCPA. Indeed, you put the collector on notice that you are represented by an attorney, then the collector must contact the attorney, rather than you.

Where Do I Report A Debt Collector For An Alleged Violation? Report any problems you have with a debt collector to your state Attorney General’s office and the Federal Trade Commission. Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act. Your Attorney General’s office can help you determine your rights under your state’s law. What Else Can I Do If I Think A Debt Collector Has Broken The Law? You can sue a collector within one year of the date the law was violated in a state or federal court. You can sue for damages, like lost wages and medical bills. But, if you can’t prove damages, you can still be awarded up to $1,000, plus reimbursement for attorney’s fees and court costs.

We are more than happy to help. Debt Letter - Cease & Desist. What Types Of Debts Are Covered Under The FDCPA? Your credit card debt, auto loans, medical bills, student loans, mortgage, and other household debts are covered. Business debts are not. Can Debt Collectors Contact Me Any Time Or Any Place? A debt collector can’t contact you at inconvenient times or places. They can contact you from 8 a.m. 9 p.m. only. They are also not allowed to contact you at work if you have told them not to contact you there. How Are Debt Collectors Able To Contact Me? Debt collectors can only call you on the phone, or send letters, emails, or text messages to collect a debt. If they contact you by other forms they are in violation of the FDCPA. How Can I Stop A Debt Collector From Contacting Me? A collector may contact you in person, by mail, telephone, telegram, or fax. However, a debt collector may not contact you at inconvenient times or places, such as before 8 a.m.

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