Learn About the Fair Debt Collection Practices Act
The Fair Debt Collection Practices Act(FDCPA) was passed by Congress in order to limit the abuses conducted by certain debt collection agencies. It limits the actions and behaviors that can be conducted by these organizations, and it provides debtors with much-needed protections. This law applies to household, personal and family debts, and in the event that a third-party collection agency breaks this law, it could be grounds to sue. If you have any questions about this law, or if you would like to learn more about it, the professionals at Lynch & Belch P.C. in Indianapolis can give you all the information you need.
Numerous restrictions are placed on collection agencies under the FDCPA, such as:
- They cannot contact an employer, relative or neighbor of someone who owes a debt.
- They cannot make phone calls at certain times, which are defined by the law as before 8 a.m. and after 9 p.m.
- They cannot send letters that look as though they have come from a court.
- They cannot use false claims to try to gather information about a debtor. An example of this would be pretending to conduct a survey.
- They cannot threaten to arrest you in the event that you do not pay your debts.
- They cannot use intimidation tactics to get you to pay.
- They cannot call you at your place of work if you have placed a request that they are not allowed to contact you there.
- They cannot use insults or obscenity.
There are many more intricacies regarding the law, so do not hesitate to ask about them.
Our Attorneys Serve the Indianapolis, Terre Haute & Greenwood Areas
Our lawyers are well-versed in bankruptcy law. They can answer any questions you have about the FDCPA or about discharging student loans during bankruptcy. If you live in Indianapolis, Terre Haute or Greenwood, call us at 317-888-0006 to get the financial relief you need.