fdcpa guidelines - what can be done if a collection agency violates fdcpa guidelines?

I know this is probably posted somewhere in the forum, but I was doing some research and came across this. How many collection agencies can say they follow the guidelines? So far each one that has called us has violated at least half of the list.[/quote]

The bottom paragraph is not suppose to be in the quote. Just learning how to use the quote option.

I know quite a few people who have successfully sued collection agencies and received not only their debt paid in full, but quite a bit of pocket change. Thanks for posting this

~Mary

Thanks for the input Tammy. You can see more of these facts here-

http://www.debtconsolidationcare.com/fdcpa.html

What can I do if a collection agency violates FDCPA guidelines? I really want to stop them from bugging me. Help me please!!!

You can sue the debt collector in a federal or state court if it violated fdcpa guideline. In case you win the lawsuit you can claim upto $1000 plus court fees.

If there is a FDCPA guidelines violation by debt collector, you can complain these facts to your state's Attorney General's office. You can also file your complaint to FTC or Federal Trade Commission.

is debt incured as a partnership covered under this law

Business debts are not covered under the FDCPA but if they appear on your personal credit report, you are covered by the FCRA

Is each violation of the FDCPA a $1000 fine or is it just the $1000
for entire case?

FDCPA violations are $1000 per action

Thanks -- that makes this fight with Redline a little more interesting.

Careful... Per action means if they call you repeatedly and harass, that is an action. Call work when they are not supposed to, that is an action. It is not a 1k payout per violation, basically per kind of violation.

No...that is a violation. Filing a lawsuit is an action. You would have to file a seperate suit for each violation.

Basically what we are talking about is Redline calling me about my daughter's (not a minor) supposed debt. They've called me 5 times -- 2 hang up calls, left 2 messages on my answering machine telling me not to listen to message if I wasn't her. On the first call -- told me all the details of her supposed debt when I called them back to see who they were and what they wanted. Now it looks like they are just harassing. Hang up if we answer -- leave message if we don't.

Daughter received a text message on her cell phone to call them
she but never did. She hasn't received any kind of letter from them either.

They are saying that she owes $4800 -- not sure if that is correct or not.

After the first call -- spoke to daughter -- (she owes something --just not sure how much) and we sent them a certified letter offer to settle for $1200 -- but didn't receive any response from them on it.

Daughter does not live with us -- but nearby.

Should I just let them keep calling and hanging themselves -- or do a debt verification or what?

Looks like they have violations of FDCPA against them by her for disclosing her information and for harassment of us also.

Just not sure how to proceed now. Let them keep racking up possible violations -- until it is more than they say she owes or
try to just put a stop to them somehow?

really i work for a collection agency ..... and i have to say that all this jazz sounds good "stay calm" and when you do i will keep you on the phone and convince you on how you are going to pay! Meg wright