What Are FDCPA Violations ?

#debt collectors #collection practices #collectors can #practices act #fair debt #federal law #deceptive #tactics #unfair In this article we will be discussing what are FDCPA violations as well the debtors' rights.

The Fair Debt Collections Practices Act is a federal law that prevents debt collectors from violating the debtors' rights when attempting to collect debts that are allegedly owed by the debtor. Any violations of this law can result in civil penalties against the debt collector.

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It can also result in the debt being canceled out and the debtor no longer owing the debt.

One example of FDCPA violations is attempting to collect debts that are past the statute.

of limitations regarding the alleged debt. This means that the debt is no longer valid.

For example, a debt collector contacts a debtor concerning a debt that was incurred in 2010. The year that the debt collector is contacting the debtor is 2018 and the debtor is

located in Texas. In Texas the debt collector can no longer sue the debtor for the alleged

debt after 4 years. The debt collector is also still reporting the debt to the credit bureaus.

Now there are two FDCPA violations being committed by the debt collectors attempting to

collect on the alleged debt. The first violation is attempting to collect on a debt that is no longer valid as the debtor is located in Texas and the debt is no longer valid after 4 years.

The 2nd of the FDCPA violations is that the debt collectors are reporting the debt to the credit bureaus, Any time debt collectors report a debt to the credit bureaus that is no longer valid this is construed as trying to collect an invalid debt from the consumer.

After 7 years the alleged debt should no longer be reported to the credit bureaus and should not be on the alleged debtors credit reports as it is past the 7 year time limitation.

When a consumer receives copies of all three credit reports from all three credit bureaus often they will see a debt being reported that is past the statute of limitations and no longer a valid debt, When this occurs the consumer should send the debt collectors a debt validation letter requesting that the debt collectors validate the debt with proper documentation, Many times the collectors are unable to validate the debt , If the debt collectors are unable to validate the debt within t30 days the debt must be removed

from all three of the the consumers credit report sand they must cease and desist from any further collection activities.

This is just a small sample of FDCPA violations that are being implemented by these lowlife

collectors and collection agencies. Now you have the power to fight them and turn the tables and beat them at their own crooked deceitful games. If you wish to learn more

strategies, click on this link and receive a free copy of " Confessions Of An Ex Bill Collector " that reveals even more powerful strategies.

Become The Victor Not The Victim !!!!