Meryl Harris  |  May 24, 2024

Category: Lawsuits to Join

Improper debt collector calls: Who’s affected?

Frustrated Man Receiving Unwanted Telephone Call At Home
(Photo Credit: Daisy Daisy/Shutterstock)

Have you been contacted recently about a debt that doesn’t belong to you? 

Debt collectors must comply with federal law that prohibits them from using unfair, abusive or deceptive practices in their attempt to collect consumer debt. If you have been harassed by a debt collector for a debt you do not owe, you may have a legal claim. 

Do you qualify?

If you were contacted by a debt collector via phone call, text, email or U.S. mail within the last year regarding a debt that was not yours, you may qualify for a free claim review.

Please fill out the form on this page for more information.

Overview: FDCPA rules for debt collection calls

The Fair Debt Collection Practices Act (FDCPA) is a federal law that limits what debt collectors can do when attempting to collect debts.

The FDCPA covers the collection of debts that are primarily for personal, family, or household purposes. The FDCPA doesn’t cover business debts.

If you live in Florida, you may have a claim under a different law called the Florida Consumer Collection Practices Act (FCCPA).

False or misleading representations 

A debt collector may not use any false, deceptive, or misleading representation when attempting to collect debts. Specifically, a debt collector may not: 

  • Falsely represent the character, amount, or legal status of the debt, or of any services rendered, or compensation they may receive for collecting the debt. 

Unfair or unconscionable means

A debt collector may not use unfair or unconscionable means to collect or attempt to collect a debt. Specifically, a debt collector may not: 

  • Collect any interest, fee, charge, or expense incidental to the principal obligation unless it was authorized by the original debt agreement or is otherwise permitted by law. 

Civil liability

A debt collector who fails to comply with any provision of the FDCPA is liable for: 

  • Actual damages sustained by the consumer; 
  • Additional statutory damages up to $1,000; and 
  • Costs and a reasonable attorney’s fee.

Join a debt collection call lawsuit investigation

Debt collectors must comply with the law when attempting to collect debts. If they don’t, you can hold them accountable.

See If You Qualify

Join a debt collector call lawsuit investigation

By submitting your information, you agree to receive communications from Top Class Actions and to be contacted by an attorney or law firm or their agents to discuss the details of your potential case at no charge to you if you qualify.

After you fill out the form, an attorney(s) or their agent(s) may contact you to discuss your legal rights.

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