The Bureau of Consumer Services announced on Tuesday a campaign aimed at helping consumers fight debt collectors who violate the Fair Debt Collection Practices Act.
“If any consumer has a collection agency calling them and harassing them, or they have damaged consumer’s credit, we can fix their credit, stop the calls, and or sue the collection agency,” M. Shar, a spokesman for the BCS, said. “The great thing about the FDCPA is that it allows an attorney to do all legal work at no charge to the consumer. As a consumer, it’s important that you are aware of these guidelines, even if you don’t have any accounts that are currently in collections.”
Shar said debt collectors often try to coerce individuals to pay a debt they do not really owe or contact individuals to gather information on a friend or relative who owes a debt, adding that the law covers a wide range of debts, including personal, family and household debts, as well as credit cards, auto loans, medical bills and mortgages.
“A debt collector may not contact you at inconvenient times or places, such as before 8 a.m in the morning or after 9 p.m. at night, unless you agree to it,” Shar said. “Collectors may not contact you at work if they’re told—orally or in writing—that you’re not allowed to get calls there. There’s a lot that this act covers, and we’re here to help whoever needs help to fight against the unlawful contacts that debt collectors and creditors violate.”