We represent consumers who have been victims of violations of debt collection practices by bill collectors. The following are examples of violations what may give rise to a lawsuit against a collector:
Debt collectors or creditors cannot contact a third party such as your employer to advised that you owe any debt.
Debt collectors cannot contact you before 8:00 am or after 9:00 pm. In addition, after written notification that you want collector to cease communication, the collector cannot continue to contact you.
The collector cannot engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person. The collector cannot use profane or abusive language or cause the phone to ring repeatedly. In addition, he/she cannot contact you without disclosing his/her identity.
The collector cannot misrepresent that the documents are in legal process when they are not. The communication from the collector must contain the mini-Miranda warning: "This is an attempt to collect a debt...communication is from a debt collector."