Debt collection, when has it gone too far? For one debt collector, a fax to the debtor’s employer was the line. The Fair Debt Collection Practices Act was put in place to protect people who are being hounded by debt collection agencies. In the past, these collection agencies would not just call the person who owes them money, but also call friends, family members, neighbors and even the employers just as a tactic to shame the debtor into making a payment arrangement or simply trying to collect on the debt.
In this case, a fax was sent to the employer of a debtor after he disputed the debt. The collection agency sent a job verification form via fax, asking for salary and other financial information about the debtor to his employer, several times. The judge ruled in the debtor’s favor allowing him to sue the debt collector for unfair practices.
According to the FDCPA, debt collectors may not engage in harassing or abusive conduct including communication with a third party other than the credit bureaus concerning collection of the debt. A collection agency must follow several rules or they open themselves up to lawsuits in violation of the FDCPA. These rules include verification of the debt, proper handling of disputes of the debt, and the way they handle themselves on each call. They may not harass or belittle a person who owes money, and threats of legal action cannot be made by anyone but law enforcement officials.
Have you been harassed by a debt collector? Have they called you names or threatened you with jail time or other unreasonable threats? If so, please contact us. We will help you find an attorney in your area who will look out for your best interest. What’s interesting about these cases and great for consumers is that it costs nothing up front to get an attorney to take on your case. All the lawyers we recommend handle these matters on a contingency basis. If they win the case the Judge will order the debt collector to pay your lawyer fees.