When you owe money, there are things that debt collectors can and cannot do to collect from you. Unfortunately, many debt collectors step over the line and abuse consumers in the hope that they can collect money out of fear.
Many consumers believe that there’s nothing they can do when a debt collector harasses them by phone or mail. And that’s exactly what the debt collectors want you to believe.
But the dirty little secret they’ve been hiding is that debt collection abuse is illegal – period.
Debt collectors are governed by the Fair Debt Collection Practices Act, a federal law that is designed to protect you from debt collection harassment. If a debt collector breaks the law, you have the right to sue them and collect money damages. Not only that, but a debt collector must pay your lawyer’s fees if you sue and win a case under the Fair Debt Collection Practices Act.