Debt collectors are notorious for their ruthless tactics when it comes to pursuing debts they believe they are owed. That said, debt collectors will occasionally resort to unlawful means to obtain these debts as well. One of the ways in which debt collectors will try and deceive those who they believe owe them debts is by using false caller ID information. If this has happened to you, you may have a valid lawsuit against the debt collector in question, which you may bring under the Fair Debt Collection Practices Act (FDCPA). The FDCPA is a federal law that protects consumers from abusive, unfair, or deceptive practices by debt collectors, and it applies to any person or company that collects debts owed to another party. One of the things that the FDCPA prohibits is using false, deceptive, or misleading representations or means to collect a debt. This includes using any fictitious name or identity when communicating with you about the debt. If you believe you are a victim of debt collector fraud, please do not hesitate to reach out to a seasoned New York City debt collection harassment lawyer from Rahman Legal who can fight for your rights, every step of the way.
Other than fake caller ID information, what are some examples of debt collector fraud?
Other than using fraudulent caller ID information, debt collectors can use a wide range of other fraudulent methods to get in contact with you. That said, the FDCPA prohibits debt collectors from:
- pretend to be someone else, such as a friend, family member, attorney, or government official
- use a fake company name or logo
- use a phone number that does not belong to them or that disguises their identity
- use a caller ID service that shows a different name or number than the one they are calling from
If a debt collector does any of these things, they are violating the FDCPA and you have the right to sue them for damages. You can sue them for up to $1,000 per violation, plus any actual damages you suffered, such as emotional distress, lost wages, or legal fees. You can also ask the court to order the debt collector to stop their illegal behavior and pay your attorney’s fees.
How do you prove that a debt collector used false caller ID information?
One way is to keep a record of all the calls you receive from them, including the date, time, duration, and caller ID information. You can also use a reverse phone lookup service to check who owns the phone number that called you. If the number does not match the name or company of the debt collector, you may have evidence of a violation.
Another way is to ask the debt collector for validation information about the debt they are trying to collect. The FDCPA requires debt collectors to provide you with certain information about the debt within five days of contacting you for the first time. This information includes:
- their name and mailing address
- the name of the creditor you owe it to
- how much money you owe
- what to do if you do not think it is your debt
- your debt collection rights
What should I do if I believe a debt collector has violated the FDCPA?
If the debt collector refuses to give you this information or gives you false or incomplete information, they are violating the FDCPA and you can sue them for the damages you’ve incurred as a result of the violation.
Additionally, if you think a debt collector has used false caller ID information or violated any other provision of the FDCPA, you should contact a consumer lawyer as soon as possible. A consumer lawyer can help you file a lawsuit against the debt collector and get the compensation and justice you deserve.
Do not let debt collectors get away with breaking the law. Contact the seasoned legal team right here at Rahman Legal today for a free consultation and find out how we can help you fight back against illegal debt collection practices. We have fought for countless individuals just like you over the years, and we are prepared to do everything in our power to get you the results you deserve and need.