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The Fair Debt Collection Practices Act protects ordinary people from deceptive and abusive debt collection practices. Even if you owe back debt, debt collectors are required to treat you with decency and respect, and to be honest and truthful when they deal with you.

The law requires them to treat you well, but they break the law all the time. Examples of illegal collection practices include:

• Calls to your work, family, friends, or neighbors to embarrass you

• Threats to notify work, family, friends, or others that you owe debt

• Abusive language such as profanity, racial slurs, or other insults

• Excessive calls and calls late at night

• Threats to take legal action they have no intention of taking

• Threats to have you arrested or threats of physical harm

• Impersonating law enforcement

• Failing to identify themselves as debt collectors

• Lying about the amount of debt you owe

• Attempting to collect debt that is too old to collect

If you feel you have been mistreated or misled by a debt collector, call me and let’s talk. You may be able to recover up to $1,000 in damages.

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