Fair Debt Collection Practice Act - Violations

Posted by Clyde Hutchins | Sep 25, 2018 | 0 Comments

Sometimes people fall behind in paying their bills. When the debts go unpaid, creditors seek recovery of the debt . . . plus interest. It is not pleasant. Although debts are required to be repaid, and debt collectors may legally attempt to recover the debt, there are limits to the behavior of debt collectors. Here are some of the ways that debt collectors could be violating a federal law governing debt collection, called the Fair Debt Collections Practices Act.
1. Calling you before 8:00 a.m. or after 9:00 p.m.
2. Continued collection communication attempts after receiving a written notice from you to stop.
3. Failing to disclose that the communication is from a debt collector.
4. Contacting you after knowing that you are represented by an attorney.
5. Telling others about your debt.
6. Calling you at work when the debt collector knows that your employer does not approve.
7. Demanding that you pay more than you owe.
8. Demanding that you pay interest, fees or costs not allowed by law.
9. Calling repeatedly to harass you.
10. Calling you during times that you told the debt collector were inconvenient.
11. Failing to send a written debt validation notice.
12. Ignoring your verification of the debt request.
13. Threatening to take action that the debt collector cannot take.
14. Harassing family and friends about your location.
15. Suing you in the wrong court.
These are common violations. If you believe that a debt collector has violated one of these restrictions, document everything and contact Harmony Law immediately.

About the Author

Clyde Hutchins

Clyde Hutchins is the founder of Harmony Law. Mr. Hutchins started his career as a lawyer in Cheyenne, Wyoming. First gaining experience as a law clerk for the district court judges, Mr. Hutchins entered private practice with a Cheyenne firm focused on civil litigation, business law and some general practice law. Later, Mr. Hutchins went to Alaska, where he was the chief litigator for a firm that engaged in bond law, corporate law, securities law, and the broad reach of municipal law. Mr. Hutchins returned to Cheyenne to represent the State of Wyoming in the national tobacco arbitration. While in that position, he developed the consumer protection unit for the Wyoming Attorney General's Office. He led over 120 investigations and enforcement actions in Wyoming and worked on numerous joint cases with the Federal Trade Commission and other states, including Colorado. Mr. Hutchins relocated to Colorado in 2016 and founded Harmony Law. Mr. Hutchins has established Harmony Law in three principal areas of law. First, it is a general practice firm in the areas of business law, estate planning and family law. Secondly, it is a civil litigation firm, practicing law in state and federal courts throughout Wyoming and Colorado. Finally, it is one of the few firms in Wyoming or Colorado that focuses on consumer protection law.


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