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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 legal career in Cheyenne, Wyoming as a law clerk for the district court judges. Mr. Hutchins then entered private practice with a Wyoming based litigation and business law firm. 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 municipal law. The State of Wyoming hired Mr. Hutchins from Alaska to represent the State of Wyoming in the national tobacco arbitration and act as its tobacco settlement attorney. While in that position, as a hobby, he developed an enforcement unit for consumer protection for Wyoming residents. Mr. Hutchins moved to Colorado in 2016 and founded Harmony Law, LLC. Harmony Law is primarily engaged in civil litigation. It is also a general practice firm in the areas of business law, estate planning, consumer law and family law. Harmony Law is active in all state and federal courts throughout Wyoming and Colorado.

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