ACS Legal Group is braking the Law
Complaint
FDCA..Fair Debt Collection Pratices Act.
Country: United States
Fair Debt Collection Practices ACT.....LAW
Under the FDCPA, a debt collector cannot:
The Fair Debt Collection Practices Act is designed to protect consumers from debt harassment. Knowing your rights can prevent undue stress.
According to fair debt collection laws, a debt collector cannot:
* Call you repeatedly
* Call you at inconvenient times/places
* Disclose information of your debts to third parties
* Use profane/abusive language
* Contact you after written notification that you do not want to be contacted any further
* Claim to be affiliated with any governmental organization
* Misrepresent the character, amount or legal status of a debt
* Threaten to take any action that cannot be taken legally
* Accuse you of having committed a crime
* Threaten to communicate false credit information
* Attempt to collect even before your request to validate is honored
* Use deceptive methods to collect debts
* Call you before 8:00 a.m. or after 9:00 p.m.
* Call you, but not announce who he/she is
* Attempt or threaten to collect a debt that is too old to enforce under state law:
# File any legal action and/or taking a judgment without properly serving the party being sued
# Waiting years after an unlawful judgment has been secured to attempt further collection activities
# Fail or refuse to identify itself as a debt collector
# Speak to others (family, friends, and neighbors) about your debt
# Demand unlawfully your social security number, credit or debit card, bank account or e-check authorization
# Fail to send you written details about the debt within 5 days of the first call placed to you
# Claim affiliation with the police, court or any other authority
# Make any false promise to improve your credit score
IF ANY DEBT COLLECTOR BRAKES ANY OF THESE GUIDELINES. THEY ARE IN VIOLATION AND CAN BE SUED.
Under the FDCPA, a debt collector cannot:
The Fair Debt Collection Practices Act is designed to protect consumers from debt harassment. Knowing your rights can prevent undue stress.
According to fair debt collection laws, a debt collector cannot:
* Call you repeatedly
* Call you at inconvenient times/places
* Disclose information of your debts to third parties
* Use profane/abusive language
* Contact you after written notification that you do not want to be contacted any further
* Claim to be affiliated with any governmental organization
* Misrepresent the character, amount or legal status of a debt
* Threaten to take any action that cannot be taken legally
* Accuse you of having committed a crime
* Threaten to communicate false credit information
* Attempt to collect even before your request to validate is honored
* Use deceptive methods to collect debts
* Call you before 8:00 a.m. or after 9:00 p.m.
* Call you, but not announce who he/she is
* Attempt or threaten to collect a debt that is too old to enforce under state law:
# File any legal action and/or taking a judgment without properly serving the party being sued
# Waiting years after an unlawful judgment has been secured to attempt further collection activities
# Fail or refuse to identify itself as a debt collector
# Speak to others (family, friends, and neighbors) about your debt
# Demand unlawfully your social security number, credit or debit card, bank account or e-check authorization
# Fail to send you written details about the debt within 5 days of the first call placed to you
# Claim affiliation with the police, court or any other authority
# Make any false promise to improve your credit score
IF ANY DEBT COLLECTOR BRAKES ANY OF THESE GUIDELINES. THEY ARE IN VIOLATION AND CAN BE SUED.
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