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It’s no secret that debt collectors have a history of using aggressive tactics to get debtors to pay them. These practices ran so rampant, a specific set of regulations were created to protect the consumer. This is called the Fair Debt Collection Practices Act, or FDCPA. This set of laws is so specific and extensive, many law firms specialize in the practice of defending consumers against violations of it. If you are being harassed, it can be beneficial to consult with a legal professional that has experience with the laws that protect you. If the rules are deemed broken, the consumer can take several different legal actions against the collector. There are a range of damages for successful FDCPA grievances, including monetary damages. An experienced legal professional is usually the best chance a consumer has at success in these proceedings.
The list of violations laid out in the FDCPA law is extensive, so your best bet would be to check with a professional if you feel like you are being harassed. Some examples of legitimate harassment include calls before 8am, after 9pm, or on Sundays, calls at work after requesting against it, calls to family and/or friends, threatening words, too many calls, and calls not announced as debt collection. Again, this is just a sample and only an experienced professional can deem a violation actionable.
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