The Fair Debt Collection Practices Act (FDCPA) does not protect debtors from those who are attempting to collect a personal debt. The act only applies to third-party debt collectors, such as those who work for a debt collection agency.
Tennessee Fair Debt Collection Practices Act. Tennessee has not enacted a separate state law containing protections beyond those of the FDCPA. … It also provides basic protections against harassing and abusive collection tactics, consistent with those provided under federal law. Contact Lafferty Law Firm, Inc. to Stop Creditor Phone Calls and Harassment
Under the FDCPA, it is unlawful for debt collectors to engage activities such as the following:
-Calling before 8 a.m. and after 9 p.m.
-Informing your employer or relatives about the nature and amount of the debt
-Calling you at work after you requested them to stop
-Calling you at home, they must put the request in writing.
-Continuing to call you after you have informed them in writing that you dispute the debt
-Threatening to have you arrested or charged with a crime in conjunction with the debt
-Failing to inform you that you have a right to dispute the debt
-Adding undisclosed fees and costs to the debt
-If a bill collector does not have contact information for a debtor, he can call relatives, neighbors or associates of the debtor to try to find the debtor’s phone number, but he cannot reveal any information about the debt, including the fact that he is calling from a debt collection agency. Additionally, collectors can only call third parties one time each.
Lafferty Law Firm, Inc. has extensive experience dealing with these situations. Call us and have them “STOP”