Businesses, banks, creditors, and “debt buyers” will often try to collect money that a consumer does not actually owe. This happens when they try to collect more money than is actually owed or try to collect from the wrong person. The Fair Debt Collection Practices Act and laws in many states are designed to prevent this type of conduct.
Even when a debt is owed, there are still laws that protect the rights of consumers. Debt collectors cannot harass consumers like repeated telephone calls, profanity, and threats of violence. Debt collectors also cannot trick consumers into paying a debt by making untrue statements. There are many other restrictions on debt collectors established by the Fair Debt Collection Practices Act.
If a debt collector is attempting to collect money you do not owe or using conduct that is harassing or unfair, you should assert your consumer rights. Start by contacting the attorneys at Boyd Kenter Thomas & Parrish.