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What are the most common violations of your rights under the Fair Debt Collection Practices Act?

The most common violations under the Fair Debt Collection Practices Act include the following:

Communications with third parties about your alleged debt;

Communicating with you after you have sent a written cease and desist letter;

Any contact with you by post card or with an envelope that identifies itself as a debt collector;

Contacting you after the creditor learns that you are represented by an attorney;

Calling you at any unusual time (before 8 am or after 9 pm) or calling you at any unusual place or at your place of employment if they know that your employer forbids such calls;

Leaving a message on an answering machine or a voice mail without disclosing that the call is from a call is from a debt collector;

Threatening  to take any action that they do not intend to take, including:  Garnishing your wages or taking your property when there is no judgment against you; Threatening to call your employer and disclose the alleged debt; Threatening to turn your case over to an attorney when it is highly unlikely that any attorney would sue for a balance as small as the one at issue; Criminal charges;  Physical violence; or, Sending a claim to an attorney where that claim is unlikely to be pursued – such as a claim for less than $500.

Cursing, swearing  or otherwise using any profane language during a telephone call;

Contacting and disclosing your debt to other people; and/or

Contacting you without disclosing their identity and purpose for their call.

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