Idaho 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

State:
Multi-State
Control #:
US-01420BG
Format:
Word; 
Rich Text
Instant download

Description

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.

Free preview
  • Preview 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
  • Preview 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
  • Preview 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
  • Preview 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

How to fill out 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?

You can invest hours on the Internet attempting to find the legitimate papers template that suits the state and federal specifications you will need. US Legal Forms supplies 1000s of legitimate varieties that are evaluated by experts. It is simple to acquire or print the Idaho 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 from the support.

If you already possess a US Legal Forms account, you may log in and click the Obtain button. Following that, you may total, change, print, or signal the Idaho 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. Each legitimate papers template you get is your own eternally. To get another version of the bought kind, check out the My Forms tab and click the related button.

If you use the US Legal Forms site for the first time, keep to the simple guidelines below:

  • Very first, make sure that you have chosen the best papers template to the region/area that you pick. Look at the kind outline to make sure you have picked out the correct kind. If accessible, use the Preview button to appear throughout the papers template at the same time.
  • In order to locate another version of the kind, use the Look for area to find the template that suits you and specifications.
  • After you have found the template you would like, simply click Get now to proceed.
  • Find the prices strategy you would like, enter your references, and sign up for an account on US Legal Forms.
  • Total the transaction. You may use your Visa or Mastercard or PayPal account to purchase the legitimate kind.
  • Find the file format of the papers and acquire it to the product.
  • Make modifications to the papers if necessary. You can total, change and signal and print Idaho 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.

Obtain and print 1000s of papers web templates utilizing the US Legal Forms web site, that provides the largest variety of legitimate varieties. Use skilled and status-particular web templates to tackle your small business or individual needs.

Form popularity

FAQ

Use of threat, violence or other criminal means to harm a person, reputation or property. Use of obscene or profane language. False representation that the debt collector represents a state or federal government. Misleading information on the amount or legal status of a debt.

A request that a creditor or collection agency cease calls at work can be verbal or written.

Debt collectors cannot harass or abuse you. They cannot swear, threaten to illegally harm you or your property, threaten you with illegal actions, or falsely threaten you with actions they do not intend to take. They also cannot make repeated calls over a short period to annoy or harass you.

These calls are legal ONLY if the debt collector has your permission to call your cell. You may have listed your cell number on the application for credit, or maybe the company trapped your phone number when you used your cell to call them.

There are laws to prohibit debt collectors from placing repeated or continuous telephone calls to annoy, abuse, or harass you or others who share your phone number. They're also prohibited from communicating with you at times or places that are inconvenient for you.

The Fair Debt Collection Practices Act (FDCPA) (15 USC 1692 et seq.), which became effective in March 1978, was designed to eliminate abusive, deceptive, and unfair debt collection practices.

However, the Federal Trade Commission recently clarified the rules regarding collections, now clarifying that collectors cannot call you more than seven times within a seven-day period or within seven days of speaking to you about a debt.

Hiring a lawyer or sending a certified letter to the collection agency should stop harassing phone calls, but there is plenty of evidence that it does not always work. One reason is that collection agencies can resume contacting you if you don't respond to the validation notice they send after the first call.

Trusted and secure by over 3 million people of the world’s leading companies

Idaho 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