Are You a Victim of Illegal Debt Collection Methods? (Part A)

In the current economic climate, millions of Americans are struggling to make payments on their debts. And as the difficulty lingers, creditors are growing more aggressive in their attempts to collect. But there are laws in place to protect our rights as American citizens and as debtors. If your rights have been violated by a creditor who is using illegal debt collection methods, a debt collection class action lawsuit may be your best way of fighting back.

What are My Rights as a Debtor?

Your rights as a debtor are clearly defined by the Fair Debt Collection Practices Act (FDCPA). This is specifically written to cover personal, family, or household credit transactions. Therefore, debts owed by businesses, or for business purposes, are not subject to the FDCPA. But individuals are protected from creditors by a list of prohibited conduct.

Listed below are some of the illegal means of conduct by debt collectors:

Failure to cease communication upon request, other than litigation
Seeking unjustified amounts
Threatening arrest or legal action which isn't permitted or actually considered
The use of abusive or profane language
Communicating with consumers at their place of employment after being otherwise advised by the employer
Publishing the consumer's name or address on a "bad debt" list

A debt collection class action attorney can talk to you about the full list of illegal debt collection methods and whether or not you have been subject to an illegal action. At this point, it may be in your best interest to consult with an experienced class action attorney who specializes in illegal debt collection methods in Massachusetts. It is important that the lawyer has handled these types of cases and that they understand procedures involved with a debt collection class action lawsuit.

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