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Many consumers have their legal rights violated by collectors without even knowing it. The Fair Debt Collection Practices Act is designed to stop harassing, unfair, and abusive debt collection practices.

Knowing the details of this act will help you fight against abusive collection practices and stop collection companies from violating your legal rights.

There are many requirements debt collectors must abide by per the FDCPA.

Debt collectors are not allowed to tell others details about the consumer including that they owe a debt, they cannot communicate with anyone other than the consumer more than once, not communicate through post card or have ANY markings on the outside of their envelope indicating they might be a debt collector.

Basically, collection companies cannot use the fact that they are a debt collector to bully you or strong arm you into paying.

Creditors cannot identify themselves as debt collectors to your employer, and they cannot send things in the mail to identifying that they are a debt collector with the intent of embarrassing you.

Debt collectors are can’t call a consumer at an unusual time or place. This includes before 8 a.m. and after 9 p.m. A debt collector should not contact a consumer at their place of employment if they have reason to believe this is prohibited or looked at negatively by the employer.

They are also required to immediately cease all contact with you if you claim to be represented by and attorney, or if you notify them that you refuse to pay the debt.

There are many prohibited abusive and harassing practices in the FDCPA also. Debt collectors are not allowed to use the threat of violence or other criminal means to cause harm to the consumer.

The use of obscene language is not allowed along with the publication of information that the consumer allegedly owes a debt.

Debt collectors cannot cause a consumer’s phone to ring repetitively with the intent to annoy or harass any person. And they have to clearly identify themselves on every phone call.

False and misleading representations are also prohibited per the FDCPA. These include the debt collector identifying themselves as an affiliate of the United States government, miss-representing the legal status of a debt, or that they are an attorney if they are not.

Your debt collectors cannot falsely represent that the nonpayment could result in the arrest or imprisonment of the consumer or the seizure of their property or garnishment of wages unless such action is lawful and the debt collector intends on taking that action.

This means they must have a history of taking these actions in the majority of cases if they are going to threaten to take legal action against you.

Debt collectors are not allowed to communicate to any person credit information which is known to be untrue, misleading, or in dispute. They also cannot falsely issue you any documentation representing itself as coming from the courts.

They also are prohibited from using false representation or deceptive means to attempt to collect a debt. They must identify themselves to the consumer as a debt collector and that the nature of the call is for that purpose of collecting on a debt.

Debt collectors cannot claim that they are directly affiliated with the credit reporting agencies per the FDCPA.

They cannot accept post dated checks of more than 5 business days, or attempt to collect more than what is legally owed according to the original contract.

They must also send a statement to each consumer within 5 days of contacting the consumer. This letter must contain many things including the amount of the debt, creditor’s name, and many disclosures specific to FTC language.

Any violations within this act will be very costly to the debt collector, especially in the civil and class action aspects. Fines in some cases exceed $500,000.

To learn more about consumer credit laws and how they can help you challenge your creditors and remove your negative credit items visit www.PerfectCreditFast.com.

About the author: Ty Crandall is an international authority and expert on credit scoring and credit law. He has over 12 years experience in the financial and credit fields and is currently the CEO of Elite Credit Incorporated. To download more of Ty?s invaluable credit tips and for more information on credit scoring and credit repair for loan approval, please visit www.PerfectCreditFast.com.