How do I know if a collection agency is using illegal tactics on me?

Debt collection is a big business. Collectors buy the debts for pennies on the dollar, then turn around and try to get as much out of the debtor as possible. They achieve their goals by constantly contacting the debtor through any means possible. Phone calls are the most common method, as it is easier to intimidate the debtor over the phone than through the mail.

Understanding the Fair Debt Collection Practices Act

The FDCPA is an act which protects the consumers from abusive collection tactics. The laws are enforced by the Federal Trade Commission who receives all complaints and initiates lawsuits against habitual offenders. It is more difficult for the lone consumer to get help from the FTC, thus requiring the need of an attorney familiar with collection abuse.

Collectors are supposed to adhere to the laws as written and not go beyond them. An occasional slip is one thing, to egregiously ignore the law is another. Constant phone call harassment, calling family members and telling them about debts, leaving abusive messages on a voice mail, all are legally actionable. They are evidence of clear cut abuse and should not be tolerated by the debtor.

Hire a Lawyer to Protect Your Rights

The best step to take is to hire a lawyer that specializes in debt issues. They will be able to enforce the law and protect the consumer's rights by utilizing the courts. A debtor can come out ahead in the game by having a lawyer be an advocate for them.