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• Fair Debt Collection Practices Act
• FDCPA- Case Results and Settlements

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Fair Debt Collection Practices Act

Fair Debt Collection Practices Act  (FDCPA) prohibits debt collectors (not creditors) from engaging in abusive, deceptive, and unfair practices. The FDCPA does not apply to your original creditor. It regulates only debt collectors’ conduct. Before we can fully evaluate your situation, and thus determine if you have a valid claim, we would like you to print off the worksheet attached titled “Fair Debt Questionnaire.” Please fill out the questionnaire, fax it to us at 804-673-0316, or mail a legible copy to us at:

The Consumer Law Group, P.C.
5905 West Broad Street, Suite 303
Richmond, VA  23230

If you are being harassed by a debt collector, please contact us at 804-282-7900.

A Debt Collector’s conduct can violate the FDCPA in multiple ways, including but not limited to:

a) Threatening to put our client in jail in connection with the alleged debt;

b) Communicating with the debtor at places known to be inconvenient to the debtor, including his place of employment despite being repeatedly told to stop;

c) Engaging in conduct of which the natural consequence is to harass, oppress, or abuse, including using profanity and causing the debtor’s telephone to ring with intent to annoy, abuse, or harass;

d) Failing to validate the debt at the time of initial contact and/or in writing within five days thereafter;

e) Failing to cease communications after being directed to do so by the debtor;

f) Communicating with persons other than the debtor for purposes other than to locate the debtor and communicating specific information about the debt owed;

g) Yelling and being otherwise verbally abusive in connection with the collection of this alleged debt;

h) Failing to provide meaningful disclosure of the debt collector’s identity and address;

i) Using false, deceptive, or misleading representations in connection with the collection of this debt, including using and distributing written communications simulating or falsely representing itself to be a document authorized, issued, or approved by an agency of the United States or any State;

j) Failing to disclose in the initial communication that the communication is an attempt to collect a debt;

k) Failing to disclose in the initial communication the alleged debtor has thirty days to dispute the debt;

l) Making false and misleading representations regarding the character and status of the debt;

m) Threatening to take legal action that cannot be taken.

Frequent Questions for Fair Debt Collection Practices Act:

• What should I do if a debt collector sues me?

• Do I have any recourse if I think a debt collector has violated the law?

• Can federal benefits be garnished?

• Can I control which debts my payments apply to?

• Can a debt collector garnish my bank account or my wages?

• What practices are off limits for debt collectors?

• Can a debt collector keep contacting me if I don’t think I owe any money?

• What does the debt collector have to tell me about the debt?

• Can a debt collector contact anyone else about my debt?

• How can I stop a debt collector from contacting me?

• Can a debt collector contact me any time or any place?

• What types of debts are covered?

• How do I stop collection calls?

• Can the funds in my bank account be seized or frozen by collectors?

• What are the Statutes of Limitation on a debt?

• Are charged off debts still collectable?

• How does FDCPA help me?

Case Results for Fair Debt Collection Practices Act:

• FDCPA- Case Results and Settlements