Fair Debt Collections Practice Act
Federal law prohibits debt collectors from using unfair tactics, harassment, or legal threats to collect debts. If a debt collector has used these tactics on you, you may be entitled to $1,000+. Learn about common collector violations here.
Fair Credit Reporting Act
The Credit Bureaus and Creditor’s are required to keep your credit report accurate. If you’ve been subject to false statements on your credit report, you may be entitled to damages.
Telephone Consumer Protection Act
Constantly getting robocalls? They are ILLEGAL. Click here to learn how to get up to $1,500 per call.
Common FDCPA Violations
- Collecting on a paid debt
- Making calls to you before 8am or after 9pm
- Contacting other people about your debt, including your boss
- Threatening to garnish your wages
- Calling you at work
- Calling you non-stop
Common FCRA Violations
- Reporting paid debt as unpaid
- Unfamiliar accounts
- Wrong name and wrong social security number
- False late payments
- Inaccurate public records
- Identity Theft