Fair Debt Collection Practices Act

If you owe money to creditors and are behind on payments, you may receive phone calls regarding your past due amounts owed. If you feel overwhelmed with debt, and powerless to stop the harassment from your creditors, you may actually have more power than you think. You have legal rights that debt collectors must honor, including limiting or ceasing phone calls completely

The Fair Debt Collection Practices Act

The Fair Debt Collection Practices Act is a federal law that protects debtors and makes it illegal for debt collectors to use any kind of abusive, deceptive or unfair practices when they attempt to collect a debt. While the law will not eliminate the debt that is owed by a debtor, the law specifically restricts the ways collectors can contact debtors. The Fair Debt Collection Practices Act covers debt including medical debts, credit cards, mortgages, and other personal, family or household debts. However, any debts owed by a business are not covered by the Fair Debt Collection Practices Act.

However, the restrictions imposed by the Fair Debt Collection Practices Act on debt collectors are serious. These restrictions can include the time of day and the number of times they can attempt to contact a debtor. If a debt collector violates the Fair Debt Collection Practices Act, the debtor can actually bring suit and collect for damages and attorney fees.

What a Debt Collector is Required to Tell a Debtor

When a debt collector contacts a debtor, by law they must say certain information regarding the debt including the following:

  • The name of the creditor
  • The amount owed
  • That you can request the name and address of the original creditor
  • That you have a legal right to dispute the debt

If a debt collector does not provide this legally required information when they contact you, they are required to send you a written notice within five days of that first contact. You may consider visiting with the debt collector for the first contact, just to ensure that the debt is a valid one, and is your debt. However, always be careful about sharing any personal information to anyone over the telephone or email.

Restrictions on Communications by Debt Collectors

The following are the restrictions placed on debt collectors attempting to collect a debt under the Fair Debt Collection Practices Act:

  • Time and Place. Debt collectors may not call you at an unusual time or place, before 8 a.m. or after 9 p.m. Additionally, if a debt collector knows that you are not able to receive calls at work, then the debt collector may not contact you there.
  • Debt collectors are not allowed to harass a debtor in any way.
  • Representation by Attorney. If a debt collector knows that you are being represented by an attorney regarding the debt, he or she must immediately cease contact with you, and only contact your attorney instead.
  • Debt collectors must tell the truth. They are not allowed to misrepresent the amount you owe, lie about who they are, or falsely claim you will be arrested or any legal action will be taken against you if it is not true.
  • Engage in Unfair Practices. A debt collector may not try to collect fees, interest or other charges that are illegal. They may not threaten to take your property unless it can be done legally, and can not deposit a post-dated check early.

How to Enforce Your Rights

If you tell a debt collector in writing to stop contacting you, the debt collector legally must stop all contact except to tell you (1) that there will be no further contact and (2) there may be specific legal action such as a lawsuit regarding the debt.

It is important to note that telling a debt collector not to contact you does not remove or dissolve the debt in any way. The debt collector can pursue other means to attempt to collect the debt, including filing a lawsuit.

Contact an Experienced Bankruptcy Attorney

If you find yourself harassed by debt collectors, or considering bankruptcy, contact an experienced bankruptcy attorney to understand your rights and options. Contact the bankruptcy attorneys at ​Silverberg Law Firm LLC at 1-201-252-7000 or online for a free consultation today.

Speak to our experienced attorney about your case; and we’ll provide you with the best solution possible.

At Silverberg Law Firm LLC our team will analyze your case and determine that whether bankruptcy is the right option for you. If yes, then we will handle every aspect of your legal process, start to finish.

We will provide you with:

  • Professional Assistance
  • Strong Legal Representation
  • Quality Guidance
  • Complete Knowledge

Which will help you make the right choice, and get out of debt smoothly, and fast.


CALL: 1-201-252-7000

Request Your Free Consultation Today

New York Bankruptcy Lawyer Jay Silverberg

Our firm proudly practices bankruptcy law and is considered a debt relief agency under federal law. We help people file for bankruptcy relief under the United States Bankruptcy Code.

New Jersey


2 University Plaza Dr
Suite 100
Hackensack, NJ 07601



91-31 Queens Blvd
Elmhurst, NY 11373



280 Madison Ave
New York, NY 10016

Copyright © 2019 Silverberg Law Firm LLC – DisclaimerPrivacy PolicyTerms and Conditions – SEO by Andrea Lynn Drake, LLC

Call Now ButtonCall Now