What is the Fair Debt Collection Practices Act?

At the Whitley Law Firm, our legal team focuses primarily on the area of the law surrounding personal injury, workers' compensation, Social Security Disability, and wrongful death claims. Our lawyers also handle cases related to unfair debt collection practices as well.

For many debtors in the North Carolina community, the laws surrounding their rights are very unclear. With the downturn of the economy, many of these people have never had to deal with an overwhelming amount of debt before; therefore, it was never necessary to have a complete understanding of the laws surrounding debt collection practices before.

Our law firm is here to help you understand your rights and the options that you have if you feel that a debt collector or creditor is taking advantage of your rights. The following outlines the laws and your rights stated in the Fair Debt Collection Practices Act.

A debt collector is forbidden to engage in the following activities:

• Call a debtor at odd hours, such as after 8pm or before 9am;
• Call a debtor with the intention of annoying or harassing them;
• Calling without disclosing their identity or purpose for the call;
• Calling a debtor's place of employment after an employer has strictly forbid this;
• Using threats of violence or profanity against the debtor;
• Claiming they will file a lawsuit or sell the debt to coerce the payment;
• Talking to another person about the debtor's private financial situation; or
• Contacting a debtor directly after knowing that he or she is represented by an attorney.

As you can see, having an attorney at your side can immediately rid of an annoying or abusive debt collector. You can not only understand your rights more thoroughly with a Raleigh lawyer, but you will also have legal protection that can save you from suffering psychological and emotional trauma from an abusive debt collector.

Contact our office today or visit our North Carolina debt collection defense website today for more information.