Fair Debt Collection Practices Act Blog

As a Consumer Lawyer who fights debt collectors for abusive debt collection practices, I have heard many debt collection nightmares. Recently, I read an article that honestly did not shock me after hearing numerous stories from clients who told me they were surprised to find out that they had a judgment against them. The article is about a process server and officer manager that have been criminally charged in false service filings for debt collectors in Las Vegas. I truly hope this conduct is isolated but would not be surprised to find out it isn’t. It seems the process server was allegedly attempting to help a debt collector obtain default judgments in debt collection lawsuits.

Continue reading "Abusive Debt Collection…Is There No End To Their Abuse?" »

As a Consumer Lawyer helping people deal with abusive debt collectors, I listen to consumers tell me things that shock me. Unsurprisingly in today’s economy, a recent MSN.com popular search expose showed popular searches on the following: “Lawsuits and collectors,” “Fair Debt Collection,” “Fair Debt Collection Lawsuits,” “Things debt collectors can’t do,” “Violating the collection law,” and “Complaints about bill collectors.” Why do you think this is?

Continue reading "Abusive Debt Collection Is On The Rise" »

If you are a Consumer who is being hounded and harassed by a third party debt collector, you have the right under the Federal Fair Debt Collection Practices Act to get them to stop the harassment. All you need to do is draft what I call the Good Old Drop Dead Debt Collector Letter.

Here is a sample.

ABC Debt Collector
123 Dirt Bag Lane
Anywhere, Kentucky, 666 666

Re: Your Name
Original Creditor
Original Account Number
Debt Collector's Account Number
XXX-XX-Last Four Digits of Your Social (Never Give Your Complete SSN)

Dear Sir or Madam:

Recently your organization has contacted me about a debt that I allegedly owe. I know that I am protected by the Federal Fair Debt Collection Practices Act from third party debt collectors, and therefore, pursuant to this Federal Statute, I hereby Demand that you stop contacting me with regard to this alleged obligation. I will not tolerate harassment from your organization or any other debt collectors.

Have a Nice Day

Name/ Signature

I know it is a little expensive, but, I would recommend that you send this letter CMRRR, and I would suggest that you keep the Green Cards once you receive them back from the Post Office.

Continue reading "Drop Dead Letter for Debt Collectors" »

As a consumer protection attorney, I always advise clients to request, in writing, that debt collectors provide verification of the alleged debt. To put this in perspective, let's say that you receive a letter from a debt collector and you are not sure if this is your debt.

You have thirty (30) days to request verification of the debt. Your thirty (30) days begins to run from the day that you receive the notice that the debt collector must verify the debt. If you wait too long (beyond the thirty (30) days), the debt collector no longer has to verify the debt. So, you want your debt verification letter to be perfectly clear and you want it to be timely. A subsequent blog will address what to put in the debt verification letter.

Please don't put this aside because you don't want to deal with it now.

I want the request in writing, and I want a copy of the envelope with a post mark on it, if possible, or, I want to see that the debt collector received the request by certified mail return receipt requested.

At the Dellutri Law Group, we represent individual who have been harassed and abused by the debt collectors, and we want to empower everyone with the knowledge of their legal rights. We just want everyone to know that debt collector abuse is illegal.

Continue reading "Always Request Verification Of A Debt In Writing." »