Are there any laws that protect me from debt collectors?

Yes, in the state of Tennessee, there are several laws that protect you from debt collectors. The Tennessee Consumer Protection Act (TCPA) is a law that prevents debt collectors from harassing you. Under the law, they can not call or contact you excessively, threaten to take any unlawful action, use profane or abusive language, or falsely represent themselves or the character, extent, or amount of your debt. The Fair Debt Collection Practices Act (FDCPA) also serves to protect individuals from debt collectors. This law prohibits debt collectors from sending false or misleading statements about your debt or engaging in unfair practices when attempting to collect a debt. Furthermore, the FDCPA requires that collectors give you accurate information about the debt they are attempting to collect. The Tennessee Governmental Tort Liability Act (GTLA) is another law that provides protections from debt collectors. Under this law, individuals can be reimbursed for any damages resulting from debt collectors who have purposely inflicted emotional distress, invaded the consumer’s privacy, or engaged in any fraud in an attempt to collect the debt. It is important to note that any debt collector who violates any of these laws can face legal action. If you believe that a debt collector has violated any of these laws, you should seek legal advice as soon as possible.

Related FAQs

Can a debt collector ever garnish my wages?
Must a debt collector give me written notice before attempting to collect a debt?
Can a debt collector repossess my property for unpaid debt?
Can a debt collector threaten to take legal action against me if I don’t pay?
Can a debt collector attempt to collect a debt that’s past the statute of limitations?
Is it possible to negotiate with a debt collector?
Can a debt collector contact me if I’ve filed for bankruptcy?
Can a debt collector contact me if I’m a student?
What rights does the Fair Debt Collection Practices Act give me?
What should I do if I’m being hounded by a debt collector?

Are there any laws that protect me from debt collectors?

Related FAQs

Related Blog Posts