Most consumers who have enountered aggressive collection agencies via telephone are aware of some of their conduct which violates the Fair Debt Collection Practices Act (FDCPA): Threats of action that the collector has no ability or intent of pursuing; disclosure of debt to third parties; and repeated calls to your place of employment after receiving notice to cease. However, it is also possible for collection agencies to violate the FDCPA through the language they use in their written correspondence with consumers. If the collection agency fails to include the curretn balance of the debt in their initial written communication, you may be entitled to a claim under the FDCPA.

Additionally, if the collection agency includes language demanding that the debt be paid immediately, you may be entitled to a claim under the FDCPA. The collection agency is also required to provide language in their written correspondence regarding your 30 day time frame to dispute the debt. If you believe you have received a collection letter that is missing essential information concerning the debt or if there is language that appears to demand money sooner than or in contradiction to your 30 day period to dispute the validity of the debt, please contact us at 866-339-1156 to find out if you have grounds for a claim.

-Jonathan H.