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When you are behind on bills, your creditors will try to get a hold of you in order to get you pay the bill.  When it goes on long enough, creditors will outsource to collections agencies and that is when the gloves come off.

Collectors will do everything that they can to get you to give them your money.  They will call, they will send letters, they will keep calling and calling and calling.  They will try everything to part you from your money.

Sometimes, however, they cross the line.


Fair debt collections act violations

Collectors are limited in what they can or cannot do in order to get you to pay. What are they not allowed to do?

  • Call before 8:00 a.m. or after 9:00 p.m. unless you consent.
  • Call you at work if you tell them not to call you there
  • Use abusive or profane language.
  • Threaten you with action they cannot or are not allowed to do.  (this is the one that generates the horror stories)
  • Lie to you.
  • Send you communications that pretend to be from a court or a government agency.
  • Publicly reveal your debts.
  • Talk about your debts to anyone but you, your spouse or your lawyer.

What can you do when creditors cross the line

When collectors cross the line and engage in behavior that violates the Fair Debt Collection Practices Act, they can be liable for their bad behavior.  If you have suffered emotional or other harm because of a collector’s improper behavior when trying to collect a debt, that collection agency could be liable for damages and attorneys fees.

Having an attorney who will aggressively pursue obnoxious creditors is key to getting the creditors to back off and stay within the bounds of the law.  Owing money is difficult, but it doesn’t have to be aggravated by abusive behavior.

If you are in debt and have creditors who you think are violating the Fair Debt Collection Practices Act, please Book an Appointment Now so that we can review the situation and see if we can help you.

Call the Law Office of Scott J. Goldstein Today

At the Law Offices of Scott J. Goldstein, our New Jersey bankruptcy attorney is experienced and knowledgeable in the bankruptcy process. To learn more about filing for personal bankruptcy in New Jersey, call us today at 973-453–2838.