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FDCPA Governing Debt Collectors

Education >
Fair Credit Billing Act, Fair Debt Collection Practice Act
FDCPA Rules Governing Debt Collectors, Judgments and Garnishment
Fair Credit Reporting Act

Tactics that are not permitted:

The debt collector cannot repeatedly call you.
If you request that collectors do not call you at work, they must stop.
Collectors cannot use foul language or threaten a consumer with violence, seizure of assets, or imprisonment. They cannot use language that is insulting, discriminatory or belittling.
Without obtaining your permission, collectors are not permitted to tell any person other than yourself, a cosigner, your spouse, or your attorney that you owe a debt.
The debt collector cannot publish your name and the nature of the debt. They may not threaten to harm your reputation as a measure to collect a debt.
A debt collector cannot call you or in any way contact you before 8:00 a.m. or after 9 p.m. in accordance with your local time zone.
A collection agency cannot deposit a post-dated check prior to the date on the check.
A collection agency cannot collect any amount greater than your debt, unless allowed by law.

Rules governing false representation:

A debt collector cannot misrepresent who he/she is. The collector may not pretend that he/she is someone else or that he/she represents a business or agency that he/she does not. A collector cannot falsely imply that he is an attorney or government representative. They cannot indicate that forms or letters that are sent to you are legal forms if they are not.
The collector cannot falsely imply that you have committed a crime. They cannot threaten that you will be arrested if you do not pay a debt.
A debt collector may not offer false information to get you to pay a debt. In other words, a collector may not tell you or write to you advising that he/she is going to sue you, garnish your wages, or attach personal property if he does not actually have the intent to do so.
A collector cannot falsely represent that they work for a credit bureau.

What to do if collection activity becomes unbearable:

In accordance with the FDCPA, if dealing with third party collectors becomes unbearable you may send Cease and Desist Notification to them, which requires them to stop contacting you.
Frustrated consumers do this when there is no end in sight to the constant calls and emotional distress that unrelenting collection attempts may be causing.
When a debt collection agency receives Cease and Desist Notification, they cannot communicate further with the consumer with respect to the debt.

“Except -

To advise the consumer that the debt collector’s efforts are being terminated
To notify the consumer that the debt collector or creditor may invoke specific remedies which are ordinarily invoked by such debt collector or creditor: or
Where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specific remedy.”
Cease and Desist notification is applicable to third party collectors only. If you send a Cease and Desist letter to an original creditor, they are not required to refrain from calling you and they may respond negatively and heighten their collection efforts.
It is important to remember that sending Cease and Desist Notification does not pardon you from repayment of a debt.

If you send Cease and Desist notification to your creditors, you should continue to make consistent monthly payments to establish that you are committed to paying back the balance owed. If possible, try to pay about 2% of the balance on a monthly basis. If you do not establish that you are committed to repaying the debt, and the creditors cannot contact you, they may be prompted to try to collect on the debt by suing you.

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