Here's What We Do Better
Know Your Rights Or Debt Collectors Win
Debt collectors continue to practice abusive behavior when trying to collect money from creditors. It’s a $13 billion industry. But those numbers – as staggering as they are – tell only one side of the story. The other side is the story of the 77 million Americans who have debts in collection.
One in three Americans has a bill that has been sent to a debt collector. The average debt in collection amounts to $5,178. Last year, debt collection agencies collected $55 billion, and raked in more than $13 billion in profits. A third of that came from debt buyers, who purchased charged-off debt for pennies on the dollar.
Most Americans don’t know their rights. Every day, debt collectors coerce, intimidate, threaten, and harass consumers into paying money they may or may not owe. When they use those tactics, debt collection agencies are in violation of the Fair Debt Collection Practices Act (FDCPA).
The FDCPA makes a number of debt collection tactics illegal, including:
Calling multiple times per week
Calling before 8:00 a.m. or after 9:00 p.m.
Calling your workplace
Using profane or abusive language
Threatening to sue you, harm you, or destroy your credit
Talking to others about your debt
Calling repeatedly for the wrong person
Failing to notify you of your right to dispute the debt
Failing to send you a letter within five days of their first phone call
Telling you that you’ve committed a crime
Contacting you after you’ve asked them not to
Threatening to take legal action on a debt that’s past the statute of limitations
Call HLF at 1-202-234-2727 or fill out HLF’s REQUEST CONSULTATION form.
Andrew Heidarpour is a member of the DC Bar, and founding attorney of Heidarpour Law Firm, PLLC. While in law school, Mr. Heidarpour interned at multiple law firms, focusing on contract and Healthcare Law. Mr. Heidarpour also conducted over 150 pro bono hours at the Employment Compensation Appeals Board, in the U.S. Department of Labor, located in Washington, D.C., under the supervision and direction of then acting Chief Judge, where he evaluated and studied the validity and viability of claims submitted for Appeal.
Mr. Heidarpour, has worked with a network of highly experienced attorneys, to bring about the highest quality legal work to each client, every day.
Mr. Heidarpour holds a Bachelor degree in Business Administration, with an emphasis in Legal Studies, from the University of Central Oklahoma, as well as a Juris Doctorate degree, from Arizona Summit Law School.
United States District and Bankruptcy Court for the District of Columbia
District of Columbia
License # 1022137