Collection Abuse and Harassment

In these uncertain times, millions of Americans are suffering from overwhelming debt caused by a loss of a job, lower income, divorce, or unexpected medical bills.  Falling behind on your debts is stressful enough without the harassment of debt collectors.  Regardless, you do not have to tolerate their abuse.

FDCPA Violations

Debt collectors must treat you with truth, fairness, dignity, and respect.  No exceptions.

Federal and Colorado law protects consumers against unfair, deceptive, and abusive debt collection practices.  The primary law that protects consumers is the Fair Debt Collections Practices Act (FDCPA).  This law protects consumers like you from being harassed or mislead by debt collectors.

A Debt Collector should not:

• Call you repeatedly
• Call you before 8:00 a.m. or after 9:00 p.m.
• Call you, but not announce he/she is collecting a debt
• Continue to call you at work after you have told the collector to stop calling you at work
• Disclose information about your debts to friends, family, or coworkers
• Use profane, abusive or vulgar language
• Contact you after written notification that you do not want to be contacted any further
• Claim to be affiliated with any governmental organization
• Claim to be attorney when in fact, the debt collector is not
• Misrepresent the character, amount or legal status of a debt
• Threaten to take any action that cannot be taken legally, such as having you arrested
• Threatens violence or harm
• Accuse you of having committed a crime
• Threaten to communicate false credit information
• Attempt or threaten to collect a debt that is too old to enforce under state law, which is six years in Colorado
• File any legal action and/or taking a judgment without properly serving you
• Demand your social security number, credit or debit card, or bank account information
• Fail to send you written details about the debt within 5 days of the first call placed to you
• Make any false promise to improve your credit score

You Can Collect Money

If you have suffered from any abusive bill collection practices, you may be entitled to compensation.  The FDCPA awards a minimum penalty of $1,000 payable to you.   If we agree to represent you in your FDCPA case, you will not pay any attorney fees because the FDCPA permits you to have the abusive debt collector pay your legal fees.

CALL US TODAY

Heupel Law protects consumers from abusive and illegal debt collection practices.  Our firm believes you have the right to be treated with dignity and respect, even if you do owe the creditor money.

For more information about creditor harassment or abuse, call the experts at Heupel Law, (720) 319-8900.