Tennessee 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

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US-01420BG
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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.

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  • 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

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FAQ

If you are struggling with debt and debt collectors, Farmer & Morris Law, PLLC can help. As soon as you use the 11-word phrase ?please cease and desist all calls and contact with me immediately? to stop the harassment, call us for a free consultation about what you can do to resolve your debt problems for good.

The Fair Debt Collection Practices Act (FDCPA) is designed to protect individuals from unfair and abusive debt collection practices. This law applies to individuals and businesses that primarily collect debt. This includes businesses that collect their own debts as well as those that collect debts on behalf of others.

Summary: The statute of limitations on debt is six years in Tennessee. This means that creditors and debt collectors only have six years to sue you for a credit card debt. If you're being sued for debt, use SoloSuit to respond to your case and win.

In most cases, the statute of limitations for a debt will have passed after 10 years. This means a debt collector may still attempt to pursue it (and you technically do still owe it), but they can't typically take legal action against you.

Unpaid credit card debt doesn't go away after seven years, but it's possible that no one can make you pay it. Debt is legally yours forever, but state laws on collecting debt limit what creditors can legally do.

Report Harassment to Authorities Normally, a debt collection agency tries to abide by the law, but of course, there are times when they do not. Most agencies will cease the illegal activity and/or harassment after your letter (as they've become aware that you now realize your rights and the specific laws).

The statute of limitations on debt in the state of Tennessee is six years. This means that if a debt has not been repaid in six years, the lender cannot sue to collect the debt.

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Tennessee 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