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Understanding Your Rights Under the Fair Debt Collections Practice Act

Our Birmingham & Tuscaloosa Bankruptcy Lawyers can identify Illegal Debt Collection Practices

Are you being harassed by collection agents attempting to collect debts on behalf of one or more of your creditors? Collection agents are subject to the Fair Debt Collection Practices Act (FDCPA) which prohibits collection agents from unfair, deceptive, and abusive collection practices. If you feel you are being treated unfairly by a collection agent, look over the list below to see if you are the victim of illegal collection practices. If you identify one or more of these practices, you may have a cause of action against the debt collector. To find out more about your rights, call our Birmingham and Tuscaloosa Bankruptcy lawyers to find out how to turn the tables on unscrupulous collection agents. Our Birmingham & Tuscaloosa lawyers do not charge for your initial consultation and you will never be charged a fee in a FDCPA case unless we recover money for you. Call today to find out how to protect yourself and your family.


The following are possible violations of the FDCPA:

• Calling the client's place of employment after the debt collector knows the client's employer prohibits calls or the client asks the debt collector not to call at work anymore.

• Threatening that nonpayment will result in imprisonment, garnishment, and/or liens.

• Disclosing to third parties that debts are owed.

• Contacting any third party more than once, unless requested to do so by the third party.

• Contacting a third party when the debt collector already knows how to contact the client.

• Threatening to do anything the debt collector isn't allowed to do (If you don't pay, we are going to……Call parents, boss, sheriff, etc.).

• Contacting any person (other than the attorney) after knowing the client is represented by an attorney.

• Failing to identify themselves to the client or to third persons (or misrepresenting their identity).

• Contacting the client after receiving a cease and desist letter.

• Harassing, oppressing, insulting or verbally abusing the client (it's a matter of degree).

• Threatening force or criminal means to harm the client or their property.

• Using profane language.

• Calling repeatedly on the same day (example = 10 times a day).

• Implying debt collector is an attorney when it is not.

• Threatening to sue when the debt collector is not an attorney/law firm.

• Threatening to take any action debt collector doesn't intend to take or otherwise lying or making misrepresentations.

Call today to schedule your free, no obligation consultation, with our experience bankruptcy lawyers. Don't be a victim to of unlawful collection practices.

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Melinda Murphy Dionne, Bankruptcy Attorney is committed to answering your questions about Bankruptcy, Chapter 13, Chapter 7, Debt Consolidation, Debt Management, and Debtors Court cases in Alabama.

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