What constitutes false or misleading conduct by a debt collector?

Debt collectors are tightly restricted in what they can say and do to collect a debt. Here's a list of what they can and can't get away with.
Stephen Dunne, Esq.

Stephen Dunne, Esq.

Philadelphia bankruptcy, credit report, and debt collection abuse attorney

Debt collectors are tightly restricted in what they can say and do to collect a debt. Here's a list of what they can and can't get away with.
Stephen Dunne, Esq.

Stephen Dunne, Esq.

Philadelphia bankruptcy, credit report, and debt collection abuse attorney

Today is the day.

It’s past time you had someone in your corner.
Our first consultation is always free.

The Fair Debt Collection Practices Act (FDCPA) prohibits your creditors from using false, deceptive, or misleading tactics to collect a debt.

Common False Statements by Debt Collectors

Debt collectors aren’t allowed to falsely claim or even imply the following:

  • They are attorneys or work for the government
  • You have committed a crime by not repaying a debt
  • That they work for a credit bureau
  • That you could be arrested or sent to jail for nonpayment
  • That they’ll garnish your wages, seize your bank account, or take your property (unless the terms of your debt permit that)
  • Sending you documents that they falsely claim are “legal documents”

They also can’t do these things:

  • Misrepresent how much you owe, or the status of your debt
  • Threaten to take action that they aren’t legally allowed to take, or that they really don’t intend to take
  • Send you documents that are designed to look like an official document from a court or government agency
  • Use a company name that isn’t the true name of the debt collector’s company

I’ve got a debt collector pulling these tricks on me. What can I do?

If you think a debt collector has violated the FDCPA by any of the above practices, you should act quickly because you only have a year to file a lawsuit against them. An experienced debt collection abuse attorney can help you figure out where you stand.

It’s free to chat with me about your options – you can call or text me at 215.551.7109, or drop me a line.

Let's go over how I can help. Our first chat is on me.

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