The Roper Law Firm


According to the Fair Debt Collection Practices Act (FDCPA), there are are specific guidelines which Debt Collection Agencies must follow, and tactics which are prohibited by law.

Violations of the Fair Debt Collection Practices Act which are documented and reported may be costly to the companies which have chosen to fail to comply with the acceptable debt collection guidelines.

Debt Collection Agencies that violate acceptable practices may be fined up to $1,000.00 separately for each occurrence of repeated violations, and in some cases may also provide the individual that is being harassed to seek damages up to $1,500.00 per violation through civil litigation.

According to the Fair Debt Collection Practices Act, a Debt Collection Agency are also in violation if their actions include:

  • Harassment: Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, they may not:
  • False statements: Debt collectors may not lie when they are trying to collect a debt.
  • Debt collectors also are prohibited from making threats of any kind.
  • Debt collectors may not report any false information about you and your credit to ANYONE!
  • Perform any unfair or illegal practices while attempting to collect a debt, to propose arrangements for a resolution to the debt issue, or any illegal actions of intimidation to collect the debt.
  • Use pre-recorded messages to entice you to contact them to your cell phone without your consent or after you formally revoke your consent
  • Cause your telephone to ring constantly or continue contacting you after you have notified them in writing that you dispute the debt, refuse to pay and do not want to be contacted again.

Note: The last item on this list may get you sued when you do it, so you should seek advice from an attorney regarding your rights.

If you are dealing with a situation in which you, as a consumer, are not being dealt with properly in a consumer related transaction or circumstance, find out what your legal rights are. Seek the advice and representation of experienced legal counsel.

It is important to note that it is unlawful for Creditors, Debt Collection Agencies or Third Party Debt Collectors to harass you or violate any conditions of the Fair Debt Collection Practices Act (FDCPA). For information about unlawful actions regarding debt collection, please click here.

If you have been the victim of Debt Collection Harassment by Creditors, Debt Collection Agencies or a Third Party Debt Collectors, find out what your legal rights are by contacting The Roper Law Firm  at 706.596.5353.

Attorney, John W. Roper is an experienced Debt Collection Harassment and Consumer Protection Lawyer providing professional legal services in serving in Georgia, the Middle and Northern Federal District Courts of Georgia, and Georgia's Eleventh Circuit Court of Appeals.