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Can a debt collector lie to me?

Under the Fair Debt Collection Practices Act (FDCPA), debt collectors are prohibited from making false or misleading statements when communicating with consumers. This means that they cannot lie to you about the amount of debt you owe, the consequences of not paying the debt, or any other aspect of the debt collection process.

Making false statements is considered a violation of the FDCPA and can have serious consequences for debt collectors. Consumers have the right to take legal action against debt collectors who engage in deceptive practices, including filing complaints with regulatory agencies or pursuing damages through a lawsuit.

Some common examples of lies or misleading statements that debt collectors may use include:

Falsely claiming to be attorneys or law enforcement officials.
Misrepresenting the amount or nature of the debt.
Threatening legal action that they do not intend to take.
Misleading consumers about their rights or the legal consequences of not paying the debt.
It’s important for consumers to be aware of their rights under the FDCPA and to recognize when debt collectors are engaging in deceptive practices. Keeping thorough records of all communication with debt collectors can help consumers document any false or misleading statements and provide evidence in the event of legal action.

Our attorney has more than 14 years of experience with fighting debt collection agencies, visit his profile page here, attorney profile.

  • There are absolutely no legal fees that you will ever be responsible for.
  • Under the FDCPA the collection agency is liable for attorney fees. 
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