Jacksonville Creditor Harassment Lawyers Law Office of David M. Goldman Home
FDCPA Violations
The following are some of the most common violations by debt collectors
- not properly identifying the debt collector
- annoying, abusing, or harassing people by calling repeatedly or letting the phone ring continually
- using obscene, profane, or other abusive language
- implying or falsely representing their affiliation with the state or Federal Government
- implying that they are an attorney when they are not
- falsely representing or implying the type, amount, or legal status of the debt
- threatening to take action that is not legal
- advertising a debt as being for sale to force payment by the debtor
- using or threatening to use violence or other criminal means to harm the debtor, the debtor's reputation or their property
- threatening to take action, they do not intend to take
- communicating or threatening to report false credit information
- using false or deceptive means to collect or attempt to collect a debt
- using any false or deceptive means to collect information about a debtor
- representing that the debt collector is part of, operates, or is employed by a consumer credit reporting agency
- publishing a list of debtors who allegedly refuse to pay debts
- collecting or attempting to collect a fee or charge unless it was authorized by the original debt agreement or permitted by law
- falsely representing or implying that the debtor committed a crime or other conduct to disgrace the debtor
- using communications that appear to be from a court, government but are not
- using a post card to contact a debtor about a debt
- implying that nonpayment will result in arrest, imprisonment, garnishment of wages, seizure of property, or sale of property, unless the action is legal and actually intended.
- failing to communicate that the information obtained is used to help collect the debt
- failing to disclose in the initial communication that the debt collector is attempting to collect a debt and any information obtained will be used for that purpose
- failing to disclose in communications that the communications are from a debt collector
