When To Call a Detroit Debt Law Firm

If you owe a credit card company money and do not pay it, they often turn your debt over to a debt collector. These debt collectors can be ruthless and aggressive, causing pain and embarrassment to you as you struggle with your finances. At some points, a debt collector may be breaking the law, and that is the time to contact a Detroit debt law firm.

FDCPA Violations

In the late 1970s, the United States passed a groundbreaking law to protect consumers from the abusive practices of the debt collection agencies. This law was called the Fair Debt Collection Practices Act, and there are very specific rules that debt collectors need to follow:

• They may never use a false name.
• They cannot contact you via postcard.
• They cannot mislead you to thinking they are a credit bureau, an attorney, a government representative, or to pretend that you are breaking the law.
• An agent may not call you before 8:00am or after 9:00pm.
• They may not contact you at work.
• They are barred from using obscene language.
• They cannot threaten you with an arrest if you do not pay the debt.
• They may not send you any documents made to look as though they are government documents.

When to Talk to a Lawyer

If you tell a debt collector to stop contacting you, they are legally obligated to cease the harassing calls. If you can prove that the debt collection agency you are dealing with is breaking this law, you should contact a Detroit debt law firm immediately. At this point, if the collector knows you have retained an attorney, they will need to contact the attorney and not you. Proof will be needed, so you may wish to record your call with the debt collector. The firm can present your case in court, and your debt may even be forgiven if the collector is convicted of breaking this law.