Debt Collection Agencies: D

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If you have been harassed by a third-party debt collector, you should know that you have rights as a consumer in the United States. The Fair Debt Collection Practices Act (FDCPA) was enacted to stop third-party agencies from harassing consumers in the pursuit of a debt.

For example, did you know that it is illegal for a third-party collection agency to inform uninvolved parties about its purposes for calling you? For example, a debt collector can legally call your office to try to get ahold of you, but a collection agency cannot identify itself as such, nor can it disclose that it’s calling you to discuss a debt you owe.

The same can be said for your neighbors, friends, or uninvolved family members. Collection agencies must be asking to speak with you, ask where it should contact you, or ask for the best time/number to reach you. Any other information disclosures are a violation of the FDCPA.

If your rights have been violated, you should speak with a creditor harassment attorney. An FDCPA attorney can help determine what damages you’re entitled to, if any. Attorneys are not paid out of pocket by you. they’ll be paid by the third-party agency who harassed you. There is no reason to pause in reaching out for help today.

Here is more information on collection agencies that begin with the letter D.