Debt collectors can be overly aggressive and their tactics can be deplorable. The FDCPA was enacted to protect consumers from debt collection harassment. A violation of the FDCPA may subject the debt creditor to monetary damages. A lawsuit for an FDCPA violation carries a potential liability maximum of $1,000 per proceeding.
Common violations include:
• Contacting a person represented by an attorney;
• Failure to disclose the communication is from a debt collector;
• Calling an unreasonable number of times per day or after instructing the collector not to call; and,
• Threatening, profane, foul, or obscene language.