THE COST OF A CREDIT REPORT ERROR

The Fair Debt Collection Practices Act prevents debt collectors from partaking in abusive, deceptive, and unfair practices in an attempt to collect a debt.

Your Rights

Debt collectors can only contact you between 8 AM - 9 PM.

Excessive contact is not allowed if it is considered to be annoying and/or harassing.

• 
  Collectors can only contact your workplace if they are not instructed against it.

• Debt collectors should contact the attorney if they recognize that the consumer is represented by one.

• Collectors are not allowed to make contact if the consumer has requested validation on the debt for the thirty-day time period.

• 
  Collectors cannot exhibit the following behaviors:

• Use of profane language

  Threats of arrest

• Threats to take legal action

• Lying about the amount of debt owed

• Publishing the consumer’s data on “bad debt” lists

• Using social media to contact the consumer

To Sue A Debt Collector

You should file a suit within one year from the date your rights were violated. Make sure you keep records of all contact records with the debt collector and any other relevant and related documents, emails, calls, etc.

Commencing a lawsuit against debt collectors can only happen if you get a case evaluation from us today!