{"id":1481,"date":"2022-11-11T09:11:55","date_gmt":"2022-11-11T09:11:55","guid":{"rendered":"https:\/\/nwdebtdefense.com\/?p=1481"},"modified":"2022-12-30T09:26:33","modified_gmt":"2022-12-30T09:26:33","slug":"debt-collector-deceive-to-collect-debt","status":"publish","type":"post","link":"https:\/\/nwdebtdefense.com\/debt-collector-deceive-to-collect-debt\/","title":{"rendered":"Unlawful Deceiving Debt Collection Practices"},"content":{"rendered":"<h2><span class=\"ez-toc-section\" id=\"Can_a_Debt_Collector_Try_to_Deceive_Me_to_Collect_on_a_Debt\"><\/span><b>Can a Debt Collector Try to Deceive Me to Collect on a Debt?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<label for=\"ez-toc-cssicon-toggle-item-66284ab257399\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-66284ab257399\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/nwdebtdefense.com\/debt-collector-deceive-to-collect-debt\/#Can_a_Debt_Collector_Try_to_Deceive_Me_to_Collect_on_a_Debt\" title=\"Can a Debt Collector Try to Deceive Me to Collect on a Debt?\">Can a Debt Collector Try to Deceive Me to Collect on a Debt?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/nwdebtdefense.com\/debt-collector-deceive-to-collect-debt\/#What_is_the_Fair_Debt_Collection_Practices_Act\" title=\"What is the Fair Debt Collection Practices Act?\">What is the Fair Debt Collection Practices Act?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/nwdebtdefense.com\/debt-collector-deceive-to-collect-debt\/#How_Does_it_Works\" title=\"How Does it Works?\">How Does it Works?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/nwdebtdefense.com\/debt-collector-deceive-to-collect-debt\/#What_Types_of_Debts_are_Covered_by_FDCPA\" title=\"What Types of Debts are Covered by FDCPA?\">What Types of Debts are Covered by FDCPA?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/nwdebtdefense.com\/debt-collector-deceive-to-collect-debt\/#What_is_a_Debt_Collector\" title=\"What is a Debt Collector?\">What is a Debt Collector?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/nwdebtdefense.com\/debt-collector-deceive-to-collect-debt\/#Understanding_Debt_Collectors\" title=\"Understanding Debt Collectors\">Understanding Debt Collectors<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/nwdebtdefense.com\/debt-collector-deceive-to-collect-debt\/#What_Deceptions_Are_Prohibited_by_The_FDCPA_For_Debt_Collectors_to_Use\" title=\"What Deceptions\u00a0Are Prohibited by The FDCPA For Debt Collectors to Use?\">What Deceptions\u00a0Are Prohibited by The FDCPA For Debt Collectors to Use?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/nwdebtdefense.com\/debt-collector-deceive-to-collect-debt\/#Protect_Yourself_Against_Debt_Collection_Frauds\" title=\"Protect Yourself Against Debt Collection Frauds!\">Protect Yourself Against Debt Collection Frauds!<\/a><\/li><\/ul><\/nav><\/div>\n\n<p><span style=\"font-weight: 400;\">Federal law typically prohibits debt collectors from using any false, deceptive, or misleading misrepresentation when trying to collect a debt. The Fair Debt Collection Practices Act (FDCPA)\u00a0is a federal law that forbids doing this.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Consumers may file a lawsuit for damages such as lost wages and medical expenses incurred as a result of the illegal collection methods or efforts if a debt collector breaches the FDCPA when seeking to collect a debt. If the debt is legitimately owed, it is not waived simply because a collection agency broke United States law.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Read more below to answer your questions like \u201ccan a debt collector try to deceive me to collect on a debt?\u201d<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_is_the_Fair_Debt_Collection_Practices_Act\"><\/span><b>What is the Fair Debt Collection Practices Act?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\"><img loading=\"lazy\" decoding=\"async\" class=\"alignright wp-image-1482 size-full\" title=\"can a debt collector try to deceive me to collect on a debt\" src=\"https:\/\/nwdebtdefense.com\/wp-content\/uploads\/2022\/12\/can-a-debt-collector-try-to-deceive-me-to-collect-on-a-debt.webp\" alt=\"can a debt collector try to deceive me to collect on a debt\" width=\"400\" height=\"300\" srcset=\"https:\/\/nwdebtdefense.com\/wp-content\/uploads\/2022\/12\/can-a-debt-collector-try-to-deceive-me-to-collect-on-a-debt.webp 400w, https:\/\/nwdebtdefense.com\/wp-content\/uploads\/2022\/12\/can-a-debt-collector-try-to-deceive-me-to-collect-on-a-debt-300x225.webp 300w\" sizes=\"(max-width: 400px) 100vw, 400px\" \/>A federal law known as the Fair Debt Collection Practices Act (FDCPA) limits the acts of third-party debt collectors who work to recover debts on behalf of another person or organization. The ways, time, and amount of communication between debtors and collectors are all subject to legal limitations.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If the FDCPA is broken, the debtor has the right to file a lawsuit against the debt collection agency and the individual debt collector to recover damages and legal costs. The Debt Collection Rule, established by the Consumer Financial Protection Bureau in November 2021, clarifies how debt collectors can engage with debtors.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_Does_it_Works\"><\/span><b>How Does it Works?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The FDCPA establishes a structure inside which debt collectors may operate to make the process of collecting debts fair and non-aggressive. The law restricts the times of the day that debt\u00a0collectors may call, the language they use, and the manner in which they identify themselves. Debtors have two options if a debt collector breaks the law: they can file a complaint with the Consumer Financial Protection Bureau or sue the debt collector in court.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Debtors are not protected from those trying to recover personal debt by the FDCPA. For instance, if you owe money to your neighborhood hardware store and the owner contacts you to collect the debt, they are not considered debt collectors for this act. Only third-party debt collectors, such as those employed by debt collection agencies, are covered by the FDCPA. The law protects consumers against debt related to credit cards, medical expenses, student loans, mortgages, and other types of household debt.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_Types_of_Debts_are_Covered_by_FDCPA\"><\/span><b>What Types of Debts are Covered by FDCPA?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The Act covers debts that you owe on personal credit card accounts, auto loans, medical bills, and mortgages. It also covers family and household debts. Debts that you incurred to operate a business are not covered by the FDCPA.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_is_a_Debt_Collector\"><\/span><b>What is a Debt Collector?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">A company or agency that recovers money owing on delinquent\u00a0accounts is known as a debt collector. Many companies that owe money to debtors\u00a0use debt collectors, who work for fees, or a portion of the total amount collected.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Some debt collectors are also debt buyers; these companies acquire debt below its face value and then make an effort to collect the entire amount owed. A collection agency is another name for a debt collector.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Understanding_Debt_Collectors\"><\/span><b>Understanding Debt Collectors<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">A borrower&#8217;s delinquency will be reported to the credit bureau if they are unable to pay off their debts or do not make the required loan installments. In addition to negatively impacting their credit history, within three to six months of default, their debt will be handed over to a collection agency or debt collector. Delinquent debts that a debt collector may be tasked with collecting include overdue payments on credit card balances, phone bills, auto loan payments, utility payments, and back taxes.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Companies found that hiring a debt collector to recover unpaid payments is less expensive than pursuing clients on their own. Whether a debtor has relocated or changed their phone number, the collector has the resources and techniques necessary to locate them.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_Deceptions_Are_Prohibited_by_The_FDCPA_For_Debt_Collectors_to_Use\"><\/span><b>What Deceptions\u00a0Are Prohibited by The FDCPA For Debt Collectors to Use?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Under the FDCPA, a collection agency is prohibited from using deceptive practices to collect debts. For instance, it cannot:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">pretend to be a law enforcement agency or imply a relationship with the federal, state, or local governments. Unless they are attempting to recover unpaid child support or they are a private check diversion program working under contract with a district attorney, a debt\u00a0collector making such a claim is likely lying.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">intentionally misrepresent your debt or the payment the collection agency will get.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">claim to be a lawyer or imply that a message is coming from a lawyer<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">unless the collection company or original creditor plans to take action that could lead to your imprisonment or the seizure of your property, do not assert that you will be locked up or that your property will be taken. You can only be jailed for a minimal number of offenses.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">threaten to take unintended or impractical action; for example, if a collection agency writes you a letter stating that it is a &#8220;final notice,&#8221; it cannot write you again for payment.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">falsely claim that you&#8217;ve committed an offense<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">threatening to sell a debt to a third party and claiming that you will lose any payment-related defenses you had against the creditor, like a warranty breach<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">give incorrect information about your credit, such as by failing to mention that you are disputing a debt<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">give you a document that appears to be from a court, an attorney, or to be a part of a legal proceeding if it isn&#8217;t<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">using a company name other than the debt collector&#8217;s actual name<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">unless the debt collector and the credit bureau are owned by the same company, never claim to work for a credit bureau.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">garnish\u00a0your wages, bank account, or other property unless doing so is legal and what they intend to do.<\/span><\/li>\n<\/ul>\n<p><b>Tips for situations similar to the scenarios above:<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Keep copies of all documents or letters\u00a0you get from debt collectors in a file. Anything you send to a debt collector, save copies of it. Record the times and dates of your conversations along with notes on what you spoke about.<\/span><a href=\"https:\/\/nwdebtdefense.com\/debt-collection-defense\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\"> If you have a disagreement with a debt collector<\/span><\/a><span style=\"font-weight: 400;\">, consult with a debt defense attorney, or go to court, these documents may be useful to you.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Protect_Yourself_Against_Debt_Collection_Frauds\"><\/span><b>Protect Yourself Against Debt Collection Frauds!<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Within one year of the day the FDCPA was broken, you have the right to sue a debt collector in a state or federal court if you think they provided you with false, misleading, or deceptive information. If you win a lawsuit under the FDCPA, the debt collector can be required to pay your legal costs and damages.<\/span><\/p>\n<p><b>Take action right\u00a0away<\/b><span style=\"font-weight: 400;\">. Your chances of success increase the faster you act. Contact a Portland debt defense lawyer near you to take action.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The debt defense attorneys at Northwest Debt Defense Law Firm in Portland, Salem, and Medford, Oregon, and Seattle, Tacoma, and Vancouver, Washington, assist clients who are being subjected to illegal deceptive activities in realizing that they have the power to win the case. Our debt collection lawsuit attorneys will uphold your debtor rights in and out of court.<\/span><\/p>\n<p><a href=\"https:\/\/nwdebtdefense.com\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">For a free debt analysis<\/span><\/a><span style=\"font-weight: 400;\">, give us a call right away.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Can a Debt Collector Try to Deceive Me to Collect on a Debt? Federal law typically prohibits debt collectors from using any false, deceptive, or misleading misrepresentation when trying to collect a debt. The Fair Debt Collection Practices Act (FDCPA)\u00a0is a federal law that forbids doing this. Consumers may file a lawsuit for damages such [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1483,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[25],"tags":[],"_links":{"self":[{"href":"https:\/\/nwdebtdefense.com\/wp-json\/wp\/v2\/posts\/1481"}],"collection":[{"href":"https:\/\/nwdebtdefense.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/nwdebtdefense.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/nwdebtdefense.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/nwdebtdefense.com\/wp-json\/wp\/v2\/comments?post=1481"}],"version-history":[{"count":1,"href":"https:\/\/nwdebtdefense.com\/wp-json\/wp\/v2\/posts\/1481\/revisions"}],"predecessor-version":[{"id":1484,"href":"https:\/\/nwdebtdefense.com\/wp-json\/wp\/v2\/posts\/1481\/revisions\/1484"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/nwdebtdefense.com\/wp-json\/wp\/v2\/media\/1483"}],"wp:attachment":[{"href":"https:\/\/nwdebtdefense.com\/wp-json\/wp\/v2\/media?parent=1481"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/nwdebtdefense.com\/wp-json\/wp\/v2\/categories?post=1481"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/nwdebtdefense.com\/wp-json\/wp\/v2\/tags?post=1481"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}