We have successfully sued a fair number of debt collectors, debt collection agencies and debt buyers for violating our clients’ rights under the FDCPA. While the the list of debt collectors that we have sued continues to grow quickly, we have found that the majority of the collector violations are as follows. http://www.micreditlawyer.com/25-most-common-violations-of-your-rights-by-a-debt-collector/

1. 22 Common Debt Collection
Tactics Against The Law
Provided by
www.micreditlawyer.com

5. 2. Swearing
or cursing at
you on the
telephone.

7. 4. Repeatedly calling
your telephone.

8. 5. Calling you at unreasonable times
(before 8am or after 9pm).

9. 6. Calling you at work.

10. 7. Threatening to pursue
criminal charges against you
for failing to pay a bill.

11. 8. Contacting you after
they know you are
represented by an
attorney.

12. 9. Contacting you after
you send them a
Cease and Desist
letter.

13. 10. Leading you to
believe he/she is an
attorney.

14. 11. Communicating false
credit information

17. Photo credit: Flickr user CarbonNYC
14. Accepting or soliciting your check postdated
by more than 5 days without 3 business days
written notice of intent to deposit.

18. 15. Causing any
charges to be
made to you
(e.g. collect
telephone
calls, cell
phone minutes
usage, etc.).

19. 16. Displaying any language or symbol on
the envelope indicating the
communication concerns debt collection.

20. 17. Attempting to collect an amount not
authorized by contract or permitted by law (for
example, a collection agency may not add
“collection fees” to a debt if you never agreed
to such a charge).

21. 18. Falsely
representing to you
that criminal action
will be taken against
you in connection
with the debt.

22. 19. Falsely implying
affiliation with the United
States or any state,
including the use of any
badge and/or uniform.

23. 20. Sending a collection letter or leaving a
voice mail that fails to contain a statement
that “This is a communication from a debt
collector.”
This statement must be contained in every
letter and phone call made by the debt
collector.

24. 21. Failure to communicate to credit
bureaus that a debt is disputed.

25. 22. Contacting and disclosing your
debt to other people