There is a very long list of things that debt collectors cannot do. They must follow the Fair Debt Collection Act. Following are a few examples of illegal activities:
A debt collector cannot just tell you his own name or alias. He/she must identify himself/herself when calling you. He must state the company he represents as well as the fact that he is attempting to collect a debt.
A debt collector cannot contact a third party once he knows your location information. An example of a third party would be a neighbor, relative or co-worker.
A debt collector cannot threaten to take legal action and sue you or take you to Court as the debt collector is not an attorney.
A debt collector cannot make a misleading statement in order to collect the debt. An example would be a debt collector telling a debtor that the case has been filed with the Courts when it has never been filed with any Court.
A debt collector cannot contact you at work if he/she knows or has reason to know that you are not allowed to receive such calls at your place of employment.
A debt collector may not misrepresent the amount that you owe.
A debt collector cannot use vulgar language or racial slurs when conversing with you or leaving you any message.
A debt collector cannot threaten to garnish your wages. You can only have your wages garnished after you have received a Summons and Complaint and have the opportunity to defend yourself at a Court hearing.
These are just a few examples. The best way to decide whether or not the debt collector you encountered violated the Fair Debt Collection Act is to contact a creditor harassment attorney. They will be able to evaluate your case for free and let you know your legal rights in the matter.
If you need help call a Debt Collector Harassment Attorney at 716-831-1111.