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The Kentucky Collection Agency Act Protects You

Dealing with debt collectors can be stressful and overwhelming. But there are many things that debt collectors aren’t allowed to say or do thanks to the Fair Debt Collection Act to prevent harassing behavior.

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Here’s a list of some of the things they aren’t allowed to say or do while contacting you:

  • Use offensive and obscene language
  • Threaten to take away your property without a court order
  • Threaten to take away your wages without a court order
  • Lie about why they’re calling you
  • Misrepresent themselves or pretend they are someone else, such as an attorney
  • Threaten violence
  • Contact you between the hours of 9 p.m. – 8 a.m.
  • Call you constantly for purposes of harassment
  • Call you at work if they know you are not allowed to take their calls while you are working
  • Contact you via postcard Make false claim that you’re going to be arrested
  • Say that you’ve committed a crime
  • Make a false claim that a lawsuit has been or will be filed when it has or will not
  • Send you papers that are made to mimic court papers when they are not
  • Threaten to harm your property
  • Use a name other than the true name of the company
  • Fail to identify themselves while talking to you
  • Threaten to damage your reputation
  • Inform your employer about your debt
  • Contact your family and friends and tell them about your debt (other than a spouse if you’re married or parent if you’re under 18)

If you feel like any of these above actions have happened to you and a debt collector has been violating your rights, call The Law Firm of Mitch Luxenburg’s experienced fair debt collection attorneys toll-free at (877) 846-1209 to find out how we can help you or complete our online form for a free FDCPA case review.

Have you been contacted by a debt collector?
Call us at (877) 846-1209 for a free case review!

In addition to rules covering the actions of creditors and collection agencies under your state’s laws, the Fair Debt Collection Practices Act (FDCPA) provides rules protecting consumers from illegal actions of debt collectors, and it applies equally in every state. This means that even if your state laws cannot help you, the FDCPA applies in many more situations.

In fact, certain sections of the laws listed in the available download may have been redacted for brevity.

If you want to find out more about how these laws pertain to your specific situation, please call us at (877) 846-1209 for a free case review with an experienced consumer law attorney. If you prefer, fill out our free case review form and we will contact you.