Fraudulent debt collection DON'T have to take it!

I came accross this video today and my jaw hit the floor. Here at Debt Relief, we get calls every day from people who have been threatened by their creditors.  Unfortunately, fraudulent debt collection practices happen all of the time, but you DON'T have to take it!

The Fair Debt Collection Practices Act, FDCPA, dictates how debt collectors can act when collecting a debt from you. These are things a debt collector can't do.  Here is a list of 15 FDCPA Violations to watch out for:

  1. Ask you to pay more than you owe - The collector cannot misrepresent the amount you owe.

  2. Ask you to pay interest, fees, or expenses that are not allowed by law -The collector can't add on any extra fees that your original credit or loan agreement doesn't allow.

  3. Call repeatedly or continuously - The FDCPA considers repeat calls as harassment.

  4. Use obscene, profane, or abusive language - Using this kind of language is considered harassment.

  5. Call before 8:00 am or after 9:00 pm - Calls during these times are considered harassment.

  6. Call at times the collector knew or should know are inconvenient - Calls at these times are considered harassment.

  7. Use or threaten to use violence if you don't pay the debt - Collectors can't threaten violence against you. 

  8. Threaten action they cannot or will not take - Collectors can't threaten to sue or file charges against you, garnish wages, take property, cause job loss, or ruin your credit when the collector cannot or does not intend to take the action.

  9. Illegally inform a third party about your alleged debt - Unless you have expressly given permision, collectors are not allowed to inform anyone about your debt except:

    • your attorney
    • the creditor
    • the creditor's attorney
    • a credit reporting agency
    • your spouse
    • your parent (if you are a minor)
  10. Repeatedly call a third party to get your location information - The collector can only contact a third party once unless it has reason to believe the information previously provided is false. 

  11. Contact you at work knowing your employer doesn't approve - A collector is not allowed to contact you at work if you’ve let them know your employer doesn’t approve of these calls.

  12. Fail to send a written debt validation notice - Within five days of the collector's initial communication, it must send you a notice include the amount of the debt, name of the creditor, and notice of your right to dispute the debt within 30 days.

  13. Ignore your written request to verify the debt and continue to collect - A collector can't continue to collect on a debt after you've made a written request to verify the debt as long as the request was made within 30 days of the collector's written notice.

  14. Continue to collect on the debt before providing verification - After receiving your written dispute, the collector must stop collecting on the debt until you have receieved verification.

  15. Continue collection attempts after receiving a cease communication notice - If you make a written request for the collector to cease communication, it can only contact you one more time, via mail to let you know one of the following: that further efforts to collect the debt are terminated, that certain actions may be taken by the collector, or that the collector is definitely going to take certain actions.

Steps to take if a debt collector violates FDCPA

If it is found that a debt collector has violated FDCPA norms, you have every right to legally penalize the debt collector in a state court or a federal court. You can sue a debt collector within one year from the time he violated FDCPA rules.

If you win the lawsuit, you can make claims for recovering damages you suffered due to debt collectors. In addition to this, you can also make claims amounting to USD$1,000.00. Attorney fees and court costs can also be recovered from the debt collectors if it is found that they have violated the FDCPA guidelines.

fraudulent debt collection practices

Tags: fdcpa, debt collection harassment, creditor legally call my neighbor, fraudulent debt collection practices

Common Collection Practices of Collectors

If you are delinquent on paying your credit cards, you no doubt have learned how ruthless collectors can be.

Is there anything you can do about it?stop collection calls


The Fair Debt Collection Practices Act (FDCPA) was created to supposedly protect consumers from the actions of collectors.

According to the FDCPA:

  • A collector may contact you in person (rare), by phone, mail, fax, or email (rare). 
  • They are not to call before 8 am or after 9 pm. 
  • They may contact someone else (friend, family member, neighbor), but again, according to the FDCPA, only to find out where you live, what your phone number is, or where you work.  They are prohibited from telling anyone else that you own money, but the phone call speaks for itself.
  • They are not to call you at work, but we know they do.
  • They are not to harass you by calling many times a day, over and over.  But, they do so by using a computer dialer, which although is annoying, is not illegal as they have a “business” relationship with you.

Do they, the collectors, abide by the FDCPA?  Rarely.

If you feel your rights have been violated, you can:

  • Report your problem to your state Attorney General’s office ( and the Federal Trade Commission ( 
  • You have a right to sue a collector in a state or federal court within one year from the date you believe the law was violated.  Although this may be a lengthy and costly option, if you win, the judge can require the collector to pay you for any damages you can prove you suffered because of the illegal collection practices, like lost wages, employment or medical bills.  It may be in your best interest to seek the advice of an attorney if you decide to sue the collector.

One of the best things you can do to put an end to the harassment of collectors is to send them a cease and desist calling letter.


If you would like more information about the FDCPA, click here.


Tags: fair debt collection practices act, creditor legally call my neighbor, common collection practices, stopping debt collection calls

HELP! Can a debt collector leagally call my neighbor?

It is one thing to "love thy neighbor", but it is quite another thing to share financial information with the folks next door.  However, we get calls from people all the time looking for help because their creditors have started calling their neighbors, parents, siblings etcetera. 

Can a debt collector legally call your neighbors?

Surprisinglygly, yes.  In some cases this practice is actually legal.  This is just another example of how collectors are getting more resourceful as more and more consumers become buried in debt. 

Federal law regulates only third-party bill collectors.  Calls to someone other than the debtor, such as a neighbor or family member, are allowed as long as collectors only verify the debtor's address, phone number or place of employment. 

debt collector leagally call my neighbor

What CAN'T debt collectors do?

Debt collection laws vary from state to state, but here are the basic rules that all collectors must follow.  These laws prohibit debt collectors from:

  • Calling outside the hours of 8am and 9pm, threatening violence or using profane language
  • Refusing to identify themselves, misrepresenting what is owed or falsely implying legal action has been taken
  • Contacting debtors at work if it is possible to reach them at home in the evening
  • calling more than once weekly at work or continuing to call the workplace if the debtor has told them not to

Are you being harrased by collection calls. If so, you may need the services of a professional debt relief agency.  Their solutions specialist can help you to determine whether you would benefit from a Debt Consolidation or Debt Settlement program.   

If you need help immediately, CALL NOW for assistance!


Tags: fair debt collection practices act, debt collection harassment, creditor legally call my neighbor, common collection practices, debt relief solutions, credit counseling