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The Oregon Unlawful Debt Collection Practices Act Protects You

Contained at Oregon Revised Statutes, Sections 646.639 – 646.643

Applies to both the original creditor and third-party debt collectors (collection agencies, collection lawyers and debt buyers)

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Violations include the following:

  • Threatening arrest or criminal prosecution
  • Threatening seizure, attachment or sale of a debtor’s property when such action can only be taken pursuant to court order without disclosing that prior court proceedings are required
  • Using profane, obscene or abusive language
  • Repeated communication with a consumer with the intent to harass or annoy
  • Communicating or threatening to communicate with a debtor’s employer concerning the nature or existence of the debt
  • Communicating with a consumer at his or her place of employment, without the consumer’s permission, or threatening to do so (with limited exceptions)
  • Communicating with a debtor without disclosing within 30 seconds the name of the individual making the contact and the purpose of the contact
  • Attempting or threatening to enforce a legal right or remedy with knowledge or reason to know that the right or remedy does not exist, or threatening to take any action which the debt collector in the regular course of business does not take
  • Collecting or attempting to collect any interest, charges or fees which are not expressly authorized by the agreement creating the debt or allowed by law

Consumer can recover actual damages or $200 for a debt collector’s violation, whichever is greater, plus attorneys fees – but say they can recover more (up to $1000) under the FDCPA

We encourage you to download a copy of the Fair Debt Collection Practices Act by filling out the form above.

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.