Fair Debt Collection Practices Act

Houston Debt Collection Attorney

The federal Fair Debt Collection Practices Act also governs debt collection practices, specifically regulating those collectors who work for professional debt collection agencies and attorneys hired to collect debts. While similar to the Texas law, the federal statute also provides that these collectors cannot:

  • Communicate with a debtor before 8 a.m. or after 9 p.m.
  • Call the debtor at work if the collector has reason to know that the debtor's employer does not permit such calls

A consumer who disputes a debt should send written notice to the debt collector detailing the nature of the dispute. The debt collector must then provide the consumer with information on how to contest the debt, and, upon request, must assist the consumer in completing the necessary forms. The debt collector must respond to a consumer's request within 30 days after receiving the written notice of the dispute, and must correct any improperly reported item.

A consumer who feels a debt collector is using improper, harassing, or fraudulent collection methods should notify the collector in writing that he or she wants to stop all further contact from the collector. The consumer should keep a copy of the letter and mail the original to the collector by certified mail. A consumer also may seek a civil injunction and damages against a collector, and/or may report violations to the Office of the Attorney General to determine if civil or criminal actions may be taken against the collector.

Contact Clausell Law Firm consumer law lawyers today.