Collection Abuse is nothing new!
Daily we get calls from consumers telling us stories of collection abuse. Although we are obviously empathetic with our clients and their concerns when they call, we rarely get shocked and most of the time we’ve heard yours story before. Collection Agency abuse has been happening for years. Finally, in the late 1970’s Congress did something about it and passed the Fair Debt Collection Practices Act. When passing the Fair Debt Collection Practices Act, Congress had to decide what was considered collection abuse in order to prevent collection abuse. Furthermore, Congress knew that they were dealing with a serious issue.
According to Congresses findings while considering the passage of the Fair Debt Collection Practices Act, Congress wrote:
There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.
Although collection abuse may not sound like a serious issue, lets explore Congresses’ findings more closely.
1. There is abundant evidence of the use of abuse deceptive, and unfair debt collection practice by many debt collectors
-The fact that Congress got involved at all with collection abuse says it all. Furthermore, Congress’ findings of fact paints the picture more clearly. Congress indicated that after its numerous hearings that collection abuse doesn’t happen sometimes. Further, Congress found that collection agency abuse doesn’t happen by some collection agencies. Congress found that there is a lot of evidence that COLLECTION ABUSE happens often.
2. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.
-This is pretty amazing and certainly important. Congress found that collection abuse leads to bankruptcy, to divorce, to job loss, and to the invasion of privacy. Collection abuse is not a victimless crime. Although debt collectors love to hide behind the phone lines and abuse consumers, the effects are real. They are felt in our communities, in our homes, and at work.
Help End Collection Abuse
Collection Abuse happens for several reasons, but the most common reason is because debt collectors are paid based on how much they collect. Debt collectors know that they will collect more money when the are forceful than if they are polite. As such, they know that they will only be held accountable for their collection abuse a fraction of the time. As such, if they collect $100 more by breaking the law and only have to pay $10 for doing so – they still made a $90 profit by breaking the law. The best way to stop this mathematical net reward is to make debt collectors pay more often for the collection abuse. If you have been a victim of collection abuse, contact us immediately. We can most likely get you cash if you’ve been harassed. Debt Collectors Hate Us!
Collection Abuse is Real! Get Help Now!
The law Against Collection Abuse:
The law against Collection Abuse, the Fair Debt Collection Practices Act was passed by Congress to prevent collection abuse by preventing collection agencies from stepping over the line while collecting debts. Under the Fair Debt Collection Practices Act, Congress basically said that while they recognize that we should pay our debts if at all possible, at the same time, Debt Collectors should not treat those that are unable to pay disrespectfully. The law provides forces non compliant debt collectors to pay you money for breaking the law and forces the debt collector to pay your attorney fees. Therefore, if you think a debt collector might have crossed the line, reach out to us.
EXAMPLES OF FDCPA VIOLATIONS:
- Calling you at work after you asked them to stop.
- Contacting your friends and family members in an attempt to get you to pay.
- Disclosing to anyone that you owe a debt.
- Threatening anything “legal” against you if they are not an attorney
- Attempting to contact you once you’ve retained an attorney.
- Harassing, insulting, or verbally abusing you.
- Calling repeatedly on the same day
- Not disclosing to you that they are a debt collector during every communication.
The list above contains examples of FDCPA violations. Just because what the debt collector did to you is not listed doesn’t mean the debt collector hasn’t violated Federal Law. So, please don’t be shy in contacting us. Debt Collectors don’t think you’re smart enough to know and enforce your rights. Show them that not only was their conduct wrong, but so was their assumption that you wouldn’t do anything about it. Contact us today for assistance.