The Fair Debt Collection Practices Act (FDCPA) is a federal law that limits the behavior and actions of third-party debt collectors who are attempting to collect debts on behalf of another person or entity. The law, amended in 2010, restricts the means and methods by which collectors can contact debtors, as well as the time of day and number of times contact can be made. If the FDCPA is violated, a suit may be brought within one year against the debt collection company and the individual debt collector for damages and attorney fees.
One of the features of the Act is that a debt collector cannot communicate with anyone once they receive notice that the individual is represented by a lawyer. Therefore once I send a letter of representation to a debt collector they cannot contact my client again. A mere letter from me stops the calls! If they communicate with my client again they have violated the Act and sometimes we can seek damages. I offer this service for free so if you or anyone you know has been hassled by a debt collector please give me a call to see if I can help you.