Kansas City, KS bankruptcy attorney Chelsea Herring shares examples of Fair Debt Collection Practices Act (FDCPA) Violations.
More In This Category
One of the most common Fair Debt Collection Practices Act violations that I see are threats of legal action that the third-party debt collector has no intention of actually following through with. For instance, let’s say that somebody receives a collection bill or perhaps a letter and they indicate that if they don’t pay the debt in full or perhaps, they’ve offered a few settlement options for them to take and they indicate that if they don’t do something within a few days’ time they’re going to take legal action, but they have no intent of doing so. That’s probably one of the most common violations I see and of course the violations of harassment when they call, calling outside of certain hours, just generally being rude. There’s a lot that can fall under the Fair Debt Collection Practices Act, but again one of the most common ones I see is threatening something that they’re not gonna follow through with.