Fair Debt Collection Practices Act (FDCPA)

What practices are off limits for our collectors?

Collectors may not harass, oppress, or abuse you or any third parties they contact. They may not:

  • Use threats of violence or harm;
  • Publish a list of names of people who refuse to pay their debts (This information can be given to the credit reporting companies);
  • Use obscene or profane language; and
  • Repeatedly use the phone to annoy someone.

Collectors may not lie when they are trying to collect a debt. They may not:

  • Claim that they are attorneys or government representatives;
  • Claim that you have committed a crime;
  • Represent that they operate or work for a credit reporting company;
  • Misrepresent the amount you owe;
  • Indicate that papers they send you are legal forms if they are not;
  • Indicate that papers they send to you are not legal forms if they are.

Collectors may not state that:

  • You will be arrested if you don’t pay your debt;
  • The creditor will seize, garnish, attach, or sell your property or wages unless the creditor is permitted by law to take the action and intend to do so; or
  • Legal action will be taken against you, if doing so would be illegal or if the creditor does not intend to take the action.

*Portions of this site were adapted from the FTC.gov

When can Williams & Fudge, Inc. contact me?

Williams & Fudge, Inc. may call:

  • Between 8:00 AM and 9:00 PM your local time;
  • At work if the collector does not know it is inconvenient for you;
  • If you are being contacted at a time or location that is inconvenient, you should let the collector know;
  • It is most helpful if you offer times when you are available to speak to the collector. Communication is the best way to resolve collection matters.

*Portions of this site were adapted from the FTC.gov

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