Why it is important to save all correspondence?

Even 30 years after the Consumer Debt Protection Act was enforced, there are still a few collection agencies out there that slip through the cracks when it comes to obeying the law. It is highly recommended that you save all correspondence, letters, emails, voicemails or phone calls that have the potential to go to litigation. This can be utilized as proof in the court of law.

Recording Phone Calls Under the FDCPA

Today there are 12 states that permit consumers to record calls if you have the consent of the debt collection representative. The remaining U.S. states currently do not have this as mandatory; however, you will need to consent to the debt collection representative what you say during a phone conversation.

We have provided you with more information below about recording phone conversations with debt collection agencies. Please follow this link:  is recording telephone calls or messages legal?

Saving Written Correspondence

When it comes to written correspondence, it is a little different. There are a few things that are considered forbidden by the FDCPA such as the following:

  1. Using profanity
  2. Lying about the amount of the debt owed
  3. Threatening violent actions in order to collect debt
  4. Fees that have been added on by the bill collector
  5. Attempting to contact you after you have mailed a “cease and desist” letter
  6. Mailing out collection notices to your employer when the employer disapproves
  7. Contacting 3rd parties in writing about your debt and attempting to collect additional personal information

Hiring the services of an experienced FDCPA attorney can make a significant difference between winning a FDCPA claim or be harassed on a regular basis.  For further details about your FDCPA claim, feel free to contact FDCPAClaims.com