We have represented clients who are harassed, lied to, or abused by creditors, and debt collectors, as well as when debt collectors have used false, misleading, or deceptive practices when collecting debts. Federal law prohibits debt collectors from taking many actions. Pennsylvania law imposes many of these prohibitions on creditors as well.
Some examples are:
- Send an initial collection letter without including legally required disclosures.
- Make repeated phone calls to annoy the debtor.
- Threaten to do anything they cannot legally do.
- Threaten to arrest, imprison, or jail a consumer for non-payment.
- Threaten to take some action that they do not intend to take.
- Misrepresent or mis-characterize a debt.
- Attempt to collect on a debt that is too old.
- Use vulgar or obscene language, or yell at and berate a debtor.
- Fail to disclose the fact that they are a debt collector trying to collect a debt.
- File lawsuits in the wrong court.
- Threaten to garnish wages.
- Attempt to recover attorneys fees when the agreement creating the debt does not allow for those fees.
Both Federal and Pennsylvania law imposed substantial awards for actual damages as well as minimum awards, additional damages and attorneys fees when violations of these laws have been proven.
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