Unfair Debt Collection Practices

Federal laws, including the Fair Debt Collection Practices Act ("FDCPA"), are aimed at protecting the interests of consumers. Consumer protection laws are designed to ensure fair competition and the free flow of truthful information in the marketplace.

Unfair debt collectors sometimes cross the line in their attempts to obtain payment. They are hoping that you aren’t aware of the legal restrictions of what they can and cannot do. The following are possible violations of the FDCPA:


  • Contacting a third party who does not owe the debt such as a relative, friend, neighbor, or the employer of the debtor;
  • Use threatening tactics such as referring your debt to an attorney and/or damage your credit rating;
  • Threaten to garnish your wages or repossess your personal property without the actual intent of doing so;
  • Take money from your bank account without permission;
  • Call you before 8:00am or after 9:00pm, without permission;
  • Call you repeatedly and continuously;
  • Call you at your workplace without permission;
  • Tell your employer about the debt;
  • Use abusive, racist, or profane language;
  • Falsify letters to make them look like they are from a court or other governmental agency;
  • Make false representations in their effort to collect the debt such as claiming that they are an attorney when they are not or claiming to have filed suit when they have not;
  • Ask for a collection fee or additional interest payments;
  • Ask for post-dated checks with the intent of prosecuting if they do not clear;
  • Sue in a court that is a long distance from your home;
  • Threaten to call the police or arrest you if you do not pay the debt;
  • And so much more!


In recent years, the economic situation in the US has changed dramatically and many people have lost their jobs. Despite their despite to do so, more and more people are unable to pay back their debts, which means that more and more unfair debt collectorsare violating the laws when they attempt to collect. As a result, FDCPA claims have become much more common.

If you feel your debt collection rights have been violated, it is important for you to contact a fair debt collection lawyer today who can explain your consumer rights and help put an end to the harassing debt collectors.

If you or someone you know has been harassed in any way by a debt collector, you have the right to sue the debt collector in state or federal court. If the debt collector has violated the FDCPA, you can receive monetary compensation for the actual damages you have suffered as a result of the unlawful debt collection practices plus up to an additional $1,000 for statutory damages for each violation. In addition, the debt collector is responsible to pay for your attorneys fees and costs - so you owe us nothing out of pocket to help!

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For a FREE Initial Legal Consultation, Call Us at (314) 775-3864 or E-mail Us!

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The choice of a lawyer is an important decision and should not be based solely upon advertisement. Every case is different and should be judged upon its own merits. Past case results provide no guarantee of future results. The information you obtain on this site is not, nor is it intended to be legal advice. You should consult an attorney for advice regarding your individual situation. Contacting The Gogel Law Firm or Jeremy A. Gogel does not create an attorney-client relationship. Please do not send any confidential information to us until such time as an attorney-client relationship has been established.


The Gogel Law Firm handles cases throughout Missouri and Illinois.

Jeremy A. Gogel is admitted to practice law before all Courts in the State of Missouri, and represents clients in all counties and cities in Missouri, including: St. Louis, St. Louis City, St. Charles, St. Louis County, Jefferson County, Franklin County, Warren County, Lincoln County, St. Genevieve County, Boone County, Montgomery County, Osage County, Pike County, Callaway County, Gasconade County, Washington County, St. Francis County, Affton, Ballwin, Bella Villa, Bellefontaine Neighbors, Bellerive, Bel-Nor, Bel-Ridge, Berkeley, Beverly Hills, Black Jack, Breckenridge Hills, Brentwood, Bridgeton, Calverton Park, Castle Point, Champ, Charlack, Chesterfield, Clarkson Valley, Clayton, Concord, Cool Valley, Country Club Hills, Country Life Acres, Crestwood, Creve Coeur, Crystal Lake Park, Dellwood, Des Peres, Edmundson, Ellisville, Eureka, Fenton, Ferguson, Flordell Hills, Florissant, Frontenac, Glasgow Village, Glencoe, Glendale, Glen Echo Park, Grantwood Village, Greendale, Green Park, Grover, Hanley Hills, Hazelwood, Hillsdale, Huntleigh, Jennings, Kinloch, Kirkwood, Ladue, Lakeshire, Lemay, Mackenzie, Manchester, Maplewood, Marlborough, Maryland Heights, Mehlville, Moline Acres, Normandy, Northwoods, Norwood Court, Oakland, Oakville, Olivette, Overland, Pagedale, Pasadena Hills, Pasadena Park, Pine Lawn, Richmond Heights, Riverview, Rock Hill, Sappington, Shrewsbury, Spanish Lake, St. Ann, St. George, St. John, Sunset Hills, Sycamore Hills, Town and Country, Twin Oaks, University City, Uplands Park, Valley Park, Velda City, Velda Village Hills, Vinita Park, Vinita Terrace, Warson Woods, Webster Groves, Wellston, Westwood, Wilbur Park, Wildwood, Winchester, and Woodson Terrace.

Jeremy A. Gogel is admitted to practice law before all Courts in the State of Illinois, and represents clients in all counties and cities, including: Madison County, St. Clair County, Bond County, Sangamon County, Washington County, Jefferson County, Franklin County, Williamson County, Jackson County, Collinsville, Alton, Edwardsville, Glen Carbon, Granite City, Belleville, Fairview Heights, Columbia, Waterloo, Cahokia, Dupo, Highland, Maryville, Mascoutah, Lebanon, Carlyle, Springfield, Litchfield, Bloomington-Normal, Peoria, Marion, Mt. Vernon, Carbondale, Centralia, Nashville, and Pinckneyville.

The Gogel Law Firm

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