Debt-Collection Complaints, and What to Do About Them

Culik Law Stop Debt Harassment

Debt-Collection Complaints, and What to Do About Them

FTC_logoA list of the top consumer complaints  was recently released by the Federal Trade Commission. Near the top was complaints about debt collection. Overall, consumers made over two million complaints to the FTC in 2013 about unfair business practices, including against debt collectors.

Even though many violations are commonplace, it is illegal for debt collectors to do any of the following:

  • Harass you (including threatening arm or repeatedly making your phone ring).
  • Making false statements.
  • Threatening arrest.
  • Giving information to third parties.
  • Giving false account information (such as giving the wrong balance).
  • Suing you anywhere except where you opened the account or where you live now.

Generally speaking, anything that is unfair, disrespectful, or untrue is illegal under the federal Fair Debt Collection Practices Act. An attorney is usually the best way to combat these types of practices, because most attorneys – including our office – can handle cases of abusive debt collectors for no cost. If you succeed in your case, you could be entitled to up to $1,000 in statutory damages, plus any emotional distress or physical harm that was caused.

Lawyers at Culik Law handle debt-collection defense cases, and provides no-cost case evaluations for claims of violation of the FDCPA  or other unfair debt collection practices.

The FTC’s press release on its reports is available here: FTC Announces Top National Consumer Complaints for 2013.

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Culik Law is a Massachusetts Attorney / Law Firm. The posts on Culik Law’s blog are not intended as legal advice. If you have questions about your particular situation, CONTACT CULIK LAW for a Free Consultation.

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CULIK LAW

CULIK LAW is a Massachusetts based law firm who believes in doing good work in our New England community to help individuals Champion Your Rights. We help clients with debt, credit reporting, mortgage, consumer protection, employment, and personal injury. If your rights are being violated or you need a new beginning, we want to hear about it and find a way to help.