In this age of economic crisis ravaging every society of the world, it is not out of place to either forget to pay one bill or the other like phone bills, medical bill, credit card bills, among others. As a debtor, you may not expect your creditor to chase you around when your account turns negative with them, but they often employ some companies or debt collection agencies to go after you. It is then your responsibility as a law abiding person to quickly settle those bills to avoid any form of abuse from the debt collector. While you are not to be rubbished and degraded by a debt collector because you owe, you must understand your place in the law of the land. A lot of people are unlawfully treated and they bear it silently when the law has termed any form of abusive language used by a debt collector on a debtor as violation. You must stand up to know the law that protect your right by consulting with an Abusive Language Violations Attorney Los Angeles, Woodland Hills, Encino, Tarzana, Chatsworth and the entire San Fernando Valley who will explain each violation regarding the FDCPA (Fair Debt Collection Practices Act) to you because except you are extra careful, there is the tendency for anyone to forget an unpaid bill from the account being managed by your doctor or credit card manager. You need to get all the needed guidance and proper understanding of how the law has protected your right. What Is Abusive Language Violation? Debt collectors are prohibited from using any form of abusive language, directly or indirectly, on you in the process of discharging their duty of debt collection. A debt collector or any debt collection agency that insults, uses derogatory remarks or use any offensive language in the course of trying to collect a debt from you breaks the FDCPA (Fair Debt Collection Practices Act), and stands to be sued by you. Everyone deserves to be respected and treated with utmost dignity. That people owe due to forgetfulness or out-right financial challenges does not make him or her less human. It might be that the fellow is going through some hard times. An abusive language is one of the violations of the FDCPA (Fair Debt Collection Practices Act), which protect consumers from being illegally treated by debt collectors. Abusive Language: California And Federal Law It is a common saying that where there is no law there is no trespass. This implies that with a stipulated law in place, any violation of it can attract punishment by any party. As a result of this, both the California and Federal laws frowns at the break or violation of the law which states that debt collectors should not, under whatever circumstances, treat debtors improperly and as less human. Such behaviors attract punishment for debt collectors from both quarters. You are required to be treated with due respect by debt collectors when they call to make their intention known. It is clearly stated in California’ Rosenthal Act and the Federal’s FDCPA (Fair Debt Collection Practices Act) that debt collection agencies should never use vulgar, profane, abusive or offensive language in their bid to collect debt from debtors. Various categories of Abusive language We all understand what is meant by abusive language, and since the law has protected the right of the consumer from being unjustly treated with wrong words, any debt collector that uses such is violating the law and it is tantamount to punishment. The consumer has every legal backing to sue you when he or she discovers you have breached the law. It is the duty of the debt collector to carry out his duty to ensure the money of the creditor is duly collected but, it should be done with a tone that is courteous, polite, respectful as well as professional. The experience and professionalism of a debt collector or other similar agencies boil down to how the tone he or she uses to get his job done. It also loudly speaks about the maturity of the collector or agent in question. The wrong use of words entail: profanity, which includes all forms of swearing and other related negative words, vulgar words, degrading, derogatory and demeaning remarks and statements such as loser, failure, NFA etc and racist comments and remarks. Are you currently suffering from abusive language from any debt collection agency? If you know your right has been protected you can get an Abusive Language Violations Attorney Los Angeles, Woodland Hills, Encino, Tarzana, Chatsworth and the entire San Fernando Valley to help you sue the debt collector and get your due compensation for you. For every violation of Fair Debt Collection Practice Act, a debt collector may be required to pay a $1000 penalty. In some legal actions, debt collectors have paid thousands of dollars to victims of debt collection abuse due to multiple violations to the same consumer. If your rights under the law have been violated, I can file a lawsuit to get you the compensation you deserve. If I take your case, you will not pay any attorney fees up-front as I take cases on contingency – meaning if there is no monetary compensation to you, you pay no attorney fees. Save Debt Collectors Messages As Proof It is not just enough to walk up to your lawyer or attorney to file a suit or put forth a complaint without any evidence. You are advised to save any abusive language from the messages and letters sent to you by the debt collector as evidence against him. The advantage of this is the help it will get should you file for lawsuit as well as the tendency of it increasing you’re the money you’ll be paid as compensation. As a professional who has handled similar cases before, I already have a special form that serves as a written record you can use to jot your interactions with your debt collector. To be on a safer side in this case, you can decide to record or save any discussion you have with your debt collector either through voicemails or phone calls. Don’t let an abusive debt collector get away with breaking law by swearing or using improper language directly at you when speaking on the phone, leaving voicemail, or on any written letters. You can get my assistance as an Abusive Language Violations Attorney Los Angeles, Woodland Hills, Encino, Tarzana, Chatsworth and the entire San Fernando Valley to take legal action by filing a lawsuit to get money from debt collectors that have broken the law. Don’t hesitate to contact the Leventhal Law Group, P.C to learn about your rights and options against improper treatment from debt collectors and to sue a debt collector that has broken the law. Call 818-347-5800 for a free consultation today!