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Federal Fair Debt Collection Practices Act

520 words - 3 pages

The first part of the Federal Fair Debt Collection Practices Act that 'Harass You Forever Collection Agency' violated was when they called repeatedly, between 10 pm and midnight. 805a(1) states that a debt collector may not communicate with a consumer in connection with the collection of a debt at any unusual time and place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 am and before 9 pm, local time at the consumer's location.The second part of the act that they violated was by calling the ...view middle of the document...

806(2) the use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader, and 806(5) causing the telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. Also, 807(4) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.Next, the collector falsely stated that he is a part-time police officer and that he would serve her with a criminal citation if she did not pay the bill. 807(5) the threat to take any action that cannot legally be taken or that is not intended to be taken, and 807(10) the use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning the consumer.Last, Miss Help Me wrote the collection agency and asked them to stop calling and they didn't, this violates 805(c) Ceasing Communication-If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respects to such debt.All in all, there are definitely grounds for a lawsuit against Harass You Forever Collection Agency.

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