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Fair Debt Collection Practices Act for Pennsylvania Consumers
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Fair Debt Collection Practices Act for Pennsylvania Consumers
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Jeff's Blog
Jeff's BlogFair Debt Collection Practices Act for Pennsylvania Consumers
A Need to Know Debt Collection Tactic to Harass and Threaten you into paying an Old Debt
A debt collection tactic that FDCPA attorney, Jeff Suher wants you to know about!!O.K., debt collectors can be sleazy - but this tactic is one that takes the cake.
Let me simply put a scenario together for you.....
A debt collector contacts a consumer about an old debt and requests thousands of dollars, as they often do. A lot of times the consumer cannot afford to pay a lump sum of thousands of dollars and will request monthly payments.
Debt collector will ask the consumer to hold while he or she "speaks with a Manager". (ha ha)
Debt collector unfortunately cannot accept monthly payments without first receiving an initial smaller (somewhat smaller) lump sum payment. (Isn't this debt collector so generous? Besides he only paid pennies on the dollar for this debt (that is probably several years old) and now wants the entire amount of money back from you!)
Anyway..... consumer again cannot afford the smaller lump sum payment.
Debt collector says, "No problem (at this point he is your best friend) just give me a checking account number to put into my system and then I will be able to secure this offer and allow you a couple weeks to get a loan or borrow money for the lump sum payment."
Consumer "I do not have that much money in my account"
Debt collector: "Don't worry, we are not putting anything through, we will just hold this for two weeks, while you get the money" "Nothing will go through"
The debt collector will probably tell the consumer that this is the only way he/she can take advantage of this ONE TIME OFFER!
In some circumstances, this may be true. The consumer may come up with the money, and the debt collector may NOT ever run an electronic check through the account.
However, in other circumstances the consumer will not be able to come up with the money. And the checking account number could "accidentally" fall into another department and get put through the bank.
If there are no funds and the check is returned NSF - the debt collector could possibly call the consumer and threaten to turn consumer over to the District Attorney's office for writing a bad check. Yes, even though the consumer TOLD the debt collector not to put the check through.
This is a tactic to scare the consumer into coming up with the money to avoid jail time for writing a bad check!!!!
STOP DEBT COLLECTION HARASSMENT! Contact Jeff, to pursue your rights under the FDCPA.
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Jeffrey L. Suher, PC
4328 Old William Penn Highway
Suite 2J
Monroeville, PA 15146
Phone: (412) 374-9005
Fax: (412) 374-0799
Toll Free: 1-800-YES-JEFF
Videos
Fair Debt Collection Practices Act for Pennsylvania Consumers:
- Debt Collection - The Case of "Mistaken Identity" A debt collector calls you about a debt that you don't owe!
- Pittsburgh Attorney, Jeff Suher helps a consumer fight a debt collector who repeatedly harassed them over an old credit card debt
- A Consumer sues a Debt Collector and Wins, Attorney Jeff Suher in Pittsburgh can help you do the same!
FAQs
Fair Debt Collection Practices Act for Pennsylvania Consumers
- Under the FDCPA, it states that a debt collector cannot disclose a debt to a third party. Who is considered a third party?
- Can I tape record my conversations with the debt collector?
- A debt collector keeps harassing me about a debt I do not owe, what can I do?
- Can a debt collector garnish your wages?
- A debt collector contacted me at 9:30 p.m., can they do this?