Debt Collection Laws

Abusive personal debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. Therefore, the Fair Debt Collection Practices Act was created to promote fair debt collection laws & procedures and to protect consumers against debt collection abuses.

You have rights as a consumer when a debt collector is pursuing you.   Debt collectors cannot harass or abuse you.  They cannot make your phone constantly ring intending to annoy you.  Moreover, debt collectors cannot make any misrepresentations to you about what it is they may do if you don't pay, or how much you owe, or anything that may be misleading.  Collectors are also regulated in who they contact and what they say.  Collectors cannot tell other people about your debts or call your place of employment if your employer does not allow such calls. 

Collectors try all kinds of tricks to get you to pay the bill.  Even if you are not the person who owes the money, and a collector is still bothering you, you have rights to be free of such annoyance. The attorneys of SmithMarco, P.C., a debt collection law firm, have been protecting consumer rights for more than 30 combined years. Contact us for a free case review to determine if your personal debt collection consumer rights were violated.