FAIR DEBT COLLECTION PRACTICES ACT QUESTIONNAIRE
- A debt collector calls me several times per day or per week (please take pictures of your caller ID, create a call log, and if the calls are on your cell phone, please get your cell phone records).
- The debt collector called me before 8:00 a.m. or after 9:00 p.m., and I have proof (caller ID or phone records).
- The debt collector was abusive, offensive, screamed, or used profane language.
- I do not owe the money the debt collector is attempting to collect (I am able to verify this information with my credit report)
- The debt collector threatened violence, physical harm, or to ruin my reputation.
- The debt collection company did not send me a debt validation letter (a debt validation letter must include the amount of the debt, the name of the original creditor, and a statement regarding your right to dispute the debt, and to obtain a validation of the debt).
- The debt collector called me at work even though I told the debt collector to stop calling me at work.
- The debt collector left me a message on a public answer machine that third parties (family, friends, coworker, or neighbors) overheard.
- The caller did not disclose that he/she was a debt collector (if you have this on a voice-mail message, please save it).
- The debt collector did not identify himself/herself in all communications (telephone calls, letters, e-mails, text messages, etc.).
- The debt collector called third parties (family, friends coworkers, employer, or neighbors) more than once.
- The debt collector told someone, other than my spouse, that I owe a debt.
- The debt collector continues to call me even though I told the collection company, in writing, to stop contacting me (this is referred to as a cease and desist).
- The debt collector threatened to file a lawsuit against me, but has not done so.
- The debt collector threatened to garnish my wages, but has not done so.
- The debt collector threatened to report me to the credit bureau, but has not done so.
- The debt collector threatened to put a lien on my property.
- The debt collector threatened to repossess my car.
- The debt collector threatened to issue a warrant for my arrest and/or have me arrested.
- The debt collector accused me of committing a crime.
- The debt collector calls me and does not leave messages.
- The debt collector calls me and hangs up when I answer the phone.
- The debt collector calls me from a number that comes up "private," "unknown," "out of area," or "restricted," on my caller ID.
- The debt collector gave me the impression he/she was a lawyer and/or calling from a law firm.
- The debt collector gave me the impression he/she worked for the government.
- The debt collector threatened to file a lawsuit against me even though the debt is beyond the statute of limitations.
- I sent the debt collector a check postdated by more than 5 days.
- The debt collector sent me several letters, e-mails, faxes, or text messages.
- The debt collector sent me a postcard.
- The debt collector caused collect telephone charges to be made to my phone.
- The debt collector sued me in a location where I do not live.