The Fair Debt Collection Practices Act (FDCPA) prohibits harassment or abuse in collecting a debt such as threatening violence, use of obscene or profane language, publishing lists of debtors who refuse to pay debts, or even harassing a debtor by repeatedly calling the debtor on the phone. The FDCPA applies only to those who regularly engage in the business of collecting debts for others -- primarily to collection agencies. The Act does not apply when a creditor attempts to collect debts owed to it by directly contacting the debtors. It applies only to the collection of consumer debts and does not apply to the collection of commercial debts. Consumer debts are debts for personal, home, or family purposes. The collector is restricted in the type of contact he can make with the debtor. He can't contact the debtor before 8:00 a.m. or after 9:00 p.m.
This form is a generic complaint and adopts the "notice pleadings" format of the Federal Rules of Civil Procedure, which have been adopted by most states in one form or another. This form is for illustrative purposes only. Local laws should be consulted to determine any specific requirements for such a form in a particular jurisdiction.
Title: Guam Complaint by Debtor for Harassing and Malicious Telephone Calls Regarding Debt, Invasion of Right to Privacy, and Violation of the Federal Fair Debt Collection Practices Act Introduction: In Guam, debtors who experience harassing and malicious telephone calls regarding debt have the right to file a complaint against the offending party. This complaint seeks to address three key issues: invasion of right to privacy, violation of the Federal Fair Debt Collection Practices Act (FD CPA), and the relentless nature of the harassing calls. Keywords: Guam, Complaint, Debtor, Harassing telephone calls, Malicious telephone calls, Debt, Invasion of Right to Privacy, Violation, Federal Fair Debt Collection Practices Act 1. Invasion of Right to Privacy: When debt collectors continuously call, it can be seen as an intrusion on the debtor's right to privacy. In Guam, debtors have the right to file a complaint if they believe their right to privacy has been violated through repeated telephone calls. Keywords: Guam, Complaint, Debtor, Invasion, Right to Privacy, Intrusion, Repeated telephone calls 2. Violation of the Federal Fair Debt Collection Practices Act (FD CPA): The FD CPA sets guidelines and standards that debt collectors must adhere to when attempting to collect debts. Any violation of these rules, such as using abusive language or making false threats, opens the door for a complaint against the debt collector. Keywords: Guam, Complaint, Debtor, Violation, Federal Fair Debt Collection Practices Act, FD CPA, Guidelines, Standards, Abusive language, False threats, Debt Collectors 3. Relentless and Harassing Telephone Calls: Debt collectors who engage in relentless and harassing telephone calls cause emotional distress and anxiety for debtors. Complaints can be filed against these collectors to put an end to the continuous calls and seek compensation for any harm caused. Keywords: Guam, Complaint, Debtor, Relentless, Harassing, Telephone calls, Emotional distress, Anxiety, Compensation, Continuous calls Types of Guam Complaints by Debtor for Harassing and Malicious Telephone Calls Regarding Debt, Invasion of Right to Privacy, and Violation of the FD CPA: 1. Basic Complaint: This type of complaint addresses a single incident of harassing and malicious telephone call regarding debt, outlining the invasion of right to privacy and FD CPA violation. 2. Multiple Violations Complaint: If a debtor has experienced numerous harassing phone calls, they can file a complaint documenting each violation individually, showcasing a pattern of abusive behavior and repeated invasions of privacy. 3. Enhanced Damage Complaint: If the debtor has suffered severe emotional distress, the complaint can seek enhanced damages beyond the regular compensation, highlighting the extensive harm caused by the harassment. 4. Cease and Desist Order Complaint: In cases where the debtor wishes to stop all contact from the debt collector, they can file a complaint requesting a cease and desist order, prohibiting any further communication from the collector. Keywords: Guam, Complaint types, Debtor, Harassing telephone calls, Malicious telephone calls, Debt, Invasion of Right to Privacy, Violation, FD CPA, Basic Complaint, Multiple Violations Complaint, Enhanced Damage Complaint, Cease and Desist Order ComplaintTitle: Guam Complaint by Debtor for Harassing and Malicious Telephone Calls Regarding Debt, Invasion of Right to Privacy, and Violation of the Federal Fair Debt Collection Practices Act Introduction: In Guam, debtors who experience harassing and malicious telephone calls regarding debt have the right to file a complaint against the offending party. This complaint seeks to address three key issues: invasion of right to privacy, violation of the Federal Fair Debt Collection Practices Act (FD CPA), and the relentless nature of the harassing calls. Keywords: Guam, Complaint, Debtor, Harassing telephone calls, Malicious telephone calls, Debt, Invasion of Right to Privacy, Violation, Federal Fair Debt Collection Practices Act 1. Invasion of Right to Privacy: When debt collectors continuously call, it can be seen as an intrusion on the debtor's right to privacy. In Guam, debtors have the right to file a complaint if they believe their right to privacy has been violated through repeated telephone calls. Keywords: Guam, Complaint, Debtor, Invasion, Right to Privacy, Intrusion, Repeated telephone calls 2. Violation of the Federal Fair Debt Collection Practices Act (FD CPA): The FD CPA sets guidelines and standards that debt collectors must adhere to when attempting to collect debts. Any violation of these rules, such as using abusive language or making false threats, opens the door for a complaint against the debt collector. Keywords: Guam, Complaint, Debtor, Violation, Federal Fair Debt Collection Practices Act, FD CPA, Guidelines, Standards, Abusive language, False threats, Debt Collectors 3. Relentless and Harassing Telephone Calls: Debt collectors who engage in relentless and harassing telephone calls cause emotional distress and anxiety for debtors. Complaints can be filed against these collectors to put an end to the continuous calls and seek compensation for any harm caused. Keywords: Guam, Complaint, Debtor, Relentless, Harassing, Telephone calls, Emotional distress, Anxiety, Compensation, Continuous calls Types of Guam Complaints by Debtor for Harassing and Malicious Telephone Calls Regarding Debt, Invasion of Right to Privacy, and Violation of the FD CPA: 1. Basic Complaint: This type of complaint addresses a single incident of harassing and malicious telephone call regarding debt, outlining the invasion of right to privacy and FD CPA violation. 2. Multiple Violations Complaint: If a debtor has experienced numerous harassing phone calls, they can file a complaint documenting each violation individually, showcasing a pattern of abusive behavior and repeated invasions of privacy. 3. Enhanced Damage Complaint: If the debtor has suffered severe emotional distress, the complaint can seek enhanced damages beyond the regular compensation, highlighting the extensive harm caused by the harassment. 4. Cease and Desist Order Complaint: In cases where the debtor wishes to stop all contact from the debt collector, they can file a complaint requesting a cease and desist order, prohibiting any further communication from the collector. Keywords: Guam, Complaint types, Debtor, Harassing telephone calls, Malicious telephone calls, Debt, Invasion of Right to Privacy, Violation, FD CPA, Basic Complaint, Multiple Violations Complaint, Enhanced Damage Complaint, Cease and Desist Order Complaint
