The FDCPA also notes that debt collectors cannot use false, deceptive, or misleading practices. These include:
- The amount owed
- Falsely claiming they are an attorney
- False threats to have you arrested
- Threats to do things that cannot legally be done
- Threats to do things that the debt collector has no intention of doing
Like the example mentioned above, you can also sue the debt collector for violations of the FDCPA. If you win, the collector must also pay your attorney fees and may also have to pay you for damages.
It is always a good idea to keep a file of any documents a debt collector sends you. Write down dates and times of conversations along with notes about what was discussed. These records can really give you a step up if you have a dispute with a debt collector, meet with one of our lawyers, or go to court.