Federal Law Protects you from Debt Collectors! Free Consultation. Cases are taken on a Contingency Fee/No Fee basis, unless we recover for you.

It is illegal for debt collectors to harass or abuse you. . .debt collectors cannot:

  • Represent that they are government officials.
  • Use obscene, profane or racist language when speaking to you.
  • Make repeated phone calls to you.
  • Make telephone calls without identifying themselves.
  • Use threats of harm or violence against you or your family.
  • Threaten to arrest you.
  • Threaten to take certain actions against you, such as to sue you, garnish your wages or take your property.

It is illegal for debt collectors to make false statements about themselves or debts. Debt collectors cannot:

  • Represent that they are government officials.
  • Accuse you of committing a crime.
  • State that they work at a "credit bureau".
  • Misrepresent the amount of the debt.

It is illegal for debt collectors to:

  • Deposit a postdated check before it is due.
  • Threatening to take your property.
  • Contacting you by postcard.
  • Publish your debt in a way meant to embarrass you, such as on the internet.
  • Call you before 8:00 a.m., or after 9:00 p.m.
  • Repeatedly and continuously calling to annoy, abuse, or harass.
  • Communicate with you at work.
  • Communicate with you if you are represented by an attorney.
  • Publish your name on a "bad debt" list.
  • Communicate with others, such as neighbors, friends, employers and co-employees, about your debt.

Attempting to collect debts you do not actually owe such as certain late fees, penalties, higher interest rates, attorney's fees, and other costs that are not part of the debt.

It is illegal for debt collectors to send you letters that do not:

  • State the amount of the debt being pursued.
  • State the name of the creditor owed the debt.
  • State that the debt collector is attempting to collect a debt and that any information will be used for debt collection purposes.
  • Accurately and properly state the name of the business or entity sending you the bill.

But you must act quickly. . .your rights are very time sensitive!

Telephone Consumer Protection

Tired of telemarketers calling at inappropriate times?

Tired of telemarketers calling after you have advised them not to?

Telemarketers who make calls to consumers must ensure that they comply with state and federal telemarketing laws, the Federal Trade Commission's Telemarketing Sales Rule, and the Telephone Consumer Protection Act of 1991, including their do not call provisions, as well as the rules below, which:

Prohibit solicitors from calling residences before 8 a.m. or after 9 p.m., local time.

Require solicitors maintain a company-specific "do-not-call" (DNC) list of consumers who asked not to be called; the DNC request must be honored for 5 years.

Require solicitors provide their name, the name of the person or entity on whose behalf the call is being made, and a telephone number or address at which that person or entity may be contacted.

Prohibit solicitations to residences that use an artificial voice or a recording.

Prohibit any call made using automated telephone equipment or an artificial or prerecorded voice to an emergency line (e.g., "911"), a hospital emergency number, a physician's office, a hospital/health care facility/elderly room, a cellular telephone, or any service for which the recipient is charged for the call.

Prohibit autodialed calls that engage two or more lines of a multi-line business.

Prohibit unsolicited advertising faxes.

Contact the McDougall Law Firm today, if you have been subject to any of the below Federal Communications Commission violations.

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