Fair Debt Collection Lawyer
The fact that you owe a debt does not give debt collectors carte blanche in how they contact you. If you’re being harassed, contact the collection defense attorneys of Hofer Hagan LLP at (317) 349-0887 or request a consultation now. You may even be eligible for compensation. Based in Indiana, we serve cities throughout the state with our legal expertise in dealership, commercial and consumer law.
What Does the Law State?
The Fair Debt Collection Practices Act was signed into law in 1977 by President Jimmy Carter. It gives debtors protection against unethical debt collection practices. Under the law, debt collectors are not allowed to use abusive, unfair, or deceptive practices to collect debts. This law does not apply to business debt, nor does it cover collection by the original creditor or business you owe money to. It does apply to consumer debt collectors, such as collections agencies, debt buyers, and lawyers.
Unfair Debt Collection Defense
Please note the following is a synopsis of rules debt collectors must follow. For the complete list, consult a debt lawsuit attorney of Hofer Hagan or read the Federal Debt Collection Practices Act.
- Time and place. Debt collectors may not contact you before 8 a.m. or after 9 p.m. Debt collectors may not call you at work if you inform them you’re not allowed to receive personal phone calls. If they call and you tell them it’s an inconvenient time to talk to them, they must hang up.
- Social media and other electronic communication. A debt collector can not post publicly about a debt you supposedly owe them on social media. They may contact you privately on social media — unless you tell them they can’t.
- Harassment. Debt collectors may not harass you or anyone else over the phone or through any other means of contact. Harassment includes the following:
- Repetitious phone calls, emails, text messages, or social media contacts.
- Obscene or profane language.
- Threatening violence or harm.
- Publishing lists of people who refuse to pay their debts (this does not include reporting information to a credit reporting agency).
- Calling you without telling you their name.
- Representation by an attorney. If a debt collector knows you have an attorney for debt collection lawsuits representing you, generally they must contact the attorney instead of you.
You may also want to become familiar with unfair credit reporting practices so you understand your rights regarding your credit rating on credit reports.
Why Choose Us
Serving auto dealerships nationwide by identifying problems and finding solutions.
Making legal services affordable to even the smallest businesses.
Handling solar panel litigation against Pink Energy and other companies.
Representing everyday Americans against consumer fraud.
Lawyer for Debt Collection Lawsuit
Put an end to harassing treatment from debt collectors with the expertise of the collection defense attorneys from Hofer Hagan. Contact us at (317) 349-0887 or request a consultation now. We serve clients in the state of Indiana including Fishers, Carmel, Lawrence, and Greenwood.
