FDCPA Violations

The most common violations include:

• Threatening to garnish your wages;
• Threatening to charge you with a crime;
• Threatening to take your home, car, or other non exempt assets;
• Threatening to tell your employer, neighbors, or friends;
• Suing or threatening to sue on a time-barred debt;
• Telling you they are a law office when they are not;
• Cursing you, or using language likely to abuse you;
• Calling you at work when they have been notified that you are not allowed to receive personal calls;
• Misrepresenting the amount owed.

These laws apply to debt buyers, lawyers, and law firms who may call or write to you while attempting to collect a consumer debt.  Under debt collection laws, you may be entitled to money damages and payment of attorney fees, if a debt collector has violated the law.

Even if you owe the money, the FDCPA offers you protection.  If you feel a debt collector has used false or deceptive means or committed a violation of the FDCPA to try to collect the debt, you should contact the Law Offices of Marc Michaud.

Our attorneys will take steps to stop the violations, and possibly collect damages on your behalf for physical anguish, mental anguish, and/or emotional distress.  The debt collector may also be ordered to pay your attorneys’ fees. 

At a minimum, the FDCPA provides that consumers may receive $1,000.00 in statutory damages, together with actual damages, plus attorneys fees and costs, for violations.

If you would like to get to know the FDCPA, click here to view it in it's entirety.

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