The Fair Debt Collections Practices Act prevents the debt collection agencies to use abusive or unfair practices in order to collect money from you by all possible method. For example, they cannot use foul language in order to harass you or they cannot give you the threat to imprison you and so on. In fact, you can file a lawsuit against it that violates the terms of this particular law and you can also get up to one thousand dollars as compensation. This article will highlight on a few basic steps that you should follow in order to sue your abusive debt collection agency for Fair Debt Collections Practices Act violation.
You should go by the terms and conditions of FDCPA and you should get familiarized with them in order to ensure that it has violated them at some point of time.
Your next step is to keep a record of all sorts of violations that have been mentioned in Fair Debt Collections Practices Act. If you get a call from your debt collection agency at late hours it is vital that you should write it down closest. When you answer this kind of telephone call from it, then it is advisable that you should write down its name as quickly as possible. It is vital that you should keep a record of the total number of telephone calls that you receive from it and you should write the exact time in addition as date when you receive these telephone calls from it.
It is vital that you should prove that this kind of violation has occurred willfully and that this kind of violation does not occur out of any sort of mistake. It is important that you should warn it to avoid this sort of violation for at the minimum two or three times.
The next step is to record all the telephone calls that you have received from it as quickly as possible. However, it is vital that you should tell it that each and every telephone call has been recorded in the best possible way.
If this kind of agency threats you over the telephone or if it uses bad language, it is vital that you should record them all and that you should present them on the court whenever required. If you are unable to record them, it is advisable that you should at the minimum write them down in a piece of paper in the best possible way.
The next step is to send a letter to it in order to request it to carry on the task of debt validation. If this kind of agency does not respond or if it only sends one printed document along with the name in addition as the total amount of money you truly owe to it, it is advisable that you should consider it as a kind of FDCPA violation. The final step is to take the help of a reliable lawyer and to file a lawsuit against it as quickly as possible.