Believe it or not debt collectors are regulated by law. The reason you probably don’t believe it is because they routinely ignore the law. Debt collectors are forbidden by Federal Law from:
1. Physically threatening you;
2. Using obscene language;
3. Continuous calling;
4. Failing to identify themselves;
5. Calling before 8 AM and after 9 PM;
6. Calling you at work if your employer forbids it;
7. Calling you if they know you are represented by an attorney;
8. Calling anybody except you, your attorney, or a credit reporting agency about your debt;
9. Contacting you after you notify them in writing that you are not going to pay the debt.
Furthermore, if you “dispute” the debt or demand “verification” of the debt in writing the debt collector must cease debt collection activity until “verification” is provided.
Failure to comply with any of these provisions results in damages of at least $1,000.00 plus your attorneys fees.
If you are the victim of any of these tactics, and reside in South East Michigan, please feel free to contact me at (248) 432-1612 to discuss your options.
