Home
Sample letters
End Collection agent harrasment
Sue your Debt collectors
Easy Credit Repair for everyone
Get out from under payday loans
Get out of Credit Card debt
All you need to know to get a car loan
What to do if you are sued
Identity theft info and recovery
Debt Settlement
What is a Fico score?
Statutes of limitations
Know your rights!
Student loan in default?
Helpful documents
Loan calculators
Debt Validation
Fair Credit Reporting Act
Glossary of terms
Blog
Fair Debt Collection Practices Act
Method of verification
Contact us
Forum
Services
Disclaimer/ Privacy policy
State by state guide to Garnishments, Bad Debt Rates, Collection Agent license requirement
Sue your Debt collectors

You have read the FCRA, FDCPA, FACTA  and your local state laws.  You know what your rights are yet, your debt collector keep violating them.  If you think your only avenue is to send complaints to the FTC and BBB you are very wrong.
The law is clearly on your side when it comes to credit agent abuse.  If you have a credit agent who repeatedly violates the law you can and should sue them. This will put money in your wallet to repair your credit and force the collection agencies to treat you with the respect you deserve. 
If you haven't read the FDCPA (shame on you) Wink Below is a quick chart of violations that you can sue your creditors for.  keep in mind that if they are calling you 100X a day or after 9P.m etc You will need to obtain proof to bring to court. I.E phone records

Possible FDCPA violations

§ 804 (1)

Debt collector informs a person other than consumer that he is a debt collector without the information being expressly requested.

§804 (2)

Debt collector informs party other than consumer that a debt is owed

§ 804 (3)

debt collector communicates with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information

§ 804 (4)

communicates by post card

§ 804 (5)

Debt Collector uses any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt

§ 804 (6)

Debt collector communicates with any person other than the consumers attorney, unless the attorney fails to respond within a reasonable period of time to the communication from the debt collector. This only applies if you have informed the debt collector that this attorney is representing you in this matter and you have provided the attorneys name, address and  number.

§ 805 (1)

Debt collector calls at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 o'clock antimeridian and before 9 o'clock postmeridian, local time at the consumer's location

§ 805 (a) (3)

Debt collector calls you at your place of employment if the debt collector knows or has reason to know that your employer prohibits the you from receiving such communication

§ 805 (c) (1) (2) (3)

If you sent the debt collector a letter advising him to cease and desist ALL communication and they called more than once or, for a reason other than to:

advise efforts are being terminated

inform you that they may or may not plan on invoking a specified remedy

§ 806 (1)

debt collector uses or threats use of violence or other criminal means to harm the physical person, reputation, or property of any person

§ 806 (2)

Debt collector uses  obscene or profane language or language the natural consequence of which is to abuse the hearer or reader

§ 806 (3)

§ 806 (4)

Debt collector creates a publication of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 603(f) or 604(3)1 of the FDCPA Act.

or The advertisement for sale of any debt to coerce payment of the debt

§ 806 (5)

Debt collectors reatedly calling Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number

§ 807 (1) (9)

Debt collector uses The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof
or
Debt collector uses or distribution  any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval

§ 807 (2)

the debt collector falsely represents:

the character, amount, or legal status of any debt; or any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt

§ 807 (3)

debt collector falsely represents someone or them-self as a lawyer

§ 807 (4)

If the debt collector tells you that  nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action

§ 807 (5)

The debt collector threatens to take any action that cannot legally be taken or that is not intended to be taken

   
   
   
   
   
   
   
   
   
   

There are many more FDCPA violations and I will finish this chart later tonight Laughing

Forum / Disclaimer & Privacy Policy / Contact Us

Custom Search