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do you have old debt you can't afford to pay? WE CAN HELP.

We'll contact you to discuss your situation.

Please check any that apply to you:
  I have debt I cannot afford to pay.
  I am being harassed by creditors.
  I am a senior citizen or disabled person.

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Need immediate help? Call 855-435-7787 to speak to a HELPS representative.

What Debt Collectors Cannot Do

A list of specific debt collection acts prohibited by the Fair Debt Collection Practices Act

  1. Contacting consumers by telephone outside of the hours of 8:00 a.m. to 9:00 p.m. local time.
  2. Communicating with consumers in any way (other than litigation) after receiving written notice that said consumer wishes no further communication or refuses to pay the alleged debt, with certain exceptions, including advising that collection efforts are being terminated or that the collector intends to file a lawsuit or pursue other remedies where permitted.
  3. Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously: with intent to annoy, abuse, or harass any person at the called number.
  4. Communicating with consumers at their place of employment after having been advised that this is unacceptable or prohibited by the employer
  5. Contacting a consumer known to be represented by an attorney
  6. Communicating with consumer after request for validation has been made or communicating with the consumer or pursuing collection efforts by the debt collector after receipt of a consumer's written request for verification of a debt made within the 30 day validation period (or for the name and address of the original creditor on a debt) before the debt collector mails the consumer the requested verification or original creditor's name and address.
  7. Misrepresentation or deceit: misrepresenting the debt or using deception to collect the debt, including a debt collector's misrepresentation that he or she is an attorney or law enforcement officer.
  8. Publishing the consumer's name or address on a "bad debt" list.
  9. Seeking unjustified amounts, which would include demanding any amounts not permitted under an applicable contract or as provided under applicable law.
  10. Threatening arrest or legal action that is either not permitted or not actually contemplated.
  11. Using abusive or profane language during the course of communication related to the debt.
  12. Revealing or discussing the nature of debts with third parties (other than the consumer's spouse or attorney) Collection agencies are allowed to contact neighbors or co-workers but only to obtain location information; disreputable agencies often harass debtors with a "block party" or "office party" where they contact multiple neighbors or co-workers telling them they need to reach the debtor on an urgent matter.
  13. Initiating contact by embarrassing media, such as communicating with a consumer regarding a debt by post card, or using any language or symbol, other than the debt collector’s address, on any envelope when communicating with a consumer by use of mail or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
  14. Reporting false information on a consumer's credit report or threatening to do so in the process of collection.
WHAT ARE THE REMEDIES FOR VIOLATION?

Aggrieved consumers may also file a private lawsuit in a state or federal court to collect damages (actual, statutory, attorney's fees, and court costs) from third-party debt collectors. The FDCPA is a strict liability law, which means that a consumer need not prove actual damages in order to claim statutory damages of up to $1,000 plus reasonable attorney fees if a debt collector is proven to have violated the FDCPA.

Learn More About Other Issues and What HELPS Can Do For You.

Peace of Mind
These HELPS clients were dealing with harassing debt collectors and anxiety over old Debt. HELPS provided a solution to their financial worries.