Reading Debt Collection Defense Lawyer
About Abusive Debt Collection Practices
Under the Fair Debt Collection Practices Act, you have rights to
not be abused by creditors and debt collection agencies. In order to learn more about your rights and to have them fully protected after you believe a collector has violated the FDCPA, consult with a skilled and educated
debt collection defense attorney in Reading who is well-versed in all aspects of the law. For the law to apply, the following elements must be present in your case. You must be a consumer with a consumer debt, meaning that the debt was incurred for personal or household purposes. The collector must be a debt collector hired by the original creditor specifically to collect the debt or a debt buyer (a company that has purchased a debt to try and collect it).
The law under the FDCPA strictly forbids a collector to do any of the following abusive acts:
- Treat you in an undignified manner, including using inappropriate or abusive language
- Accuse you of having committed a crime
- Use deceptive methods to attempt to collect a debt
- Call at inconvenient or odd hours, such as between 9 p.m. and 8 a.m.
- Call without announcing that he or she is a debt collector
- Contact your family, friends or place of employment to discuss personal matters regarding your debt
- Fail to send you written details about the debt within 5 days of the first phone call
- Use threats of violence, arrest or a lawsuit
- Continue to contact you after you have secured legal representation
Consult with a Reading Debt Collection Defense Attorney
If you feel that a debt collector has taken part in any of the above activities, it will be in your best interest to consult with a debt collection defense lawyer in Reading. My firm and I have been protecting individuals abused by debt collectors in the area for nearly twenty years.
Contact a Reading debt collection defense attorney at the Law Office of Michael P. Forbes today.
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