The Fair Debt Collection Practices Act (FDCPA) prohibits harassment or abuse in collecting a debt such as threatening violence, use of obscene or profane language, publishing lists of debtors who refuse to pay debts, or even harassing a debtor by repeatedly calling the debtor on the phone. The FDCPA applies only to those who regularly engage in the business of collecting debts for others -- primarily to collection agencies. The Act does not apply when a creditor attempts to collect debts owed to it by directly contacting the debtors. It applies only to the collection of consumer debts and does not apply to the collection of commercial debts. Consumer debts are debts for personal, home, or family purposes. The collector is restricted in the type of contact he can make with the debtor. He can't contact the debtor before 8:00 a.m. or after 9:00 p.m.
This form is a generic complaint and adopts the "notice pleadings" format of the Federal Rules of Civil Procedure, which have been adopted by most states in one form or another. This form is for illustrative purposes only. Local laws should be consulted to determine any specific requirements for such a form in a particular jurisdiction.
Title: Wyoming Complaint by Debtor for Harassing and Malicious Telephone Calls Regarding Debt, Invasion of Right to Privacy, and Violation of the Federal Fair Debt Collection Practices Act Keywords: Wyoming, complaint, debtor, harassing calls, malicious telephone calls, debt, invasion of right to privacy, violation, federal Fair Debt Collection Practices Act, multiple types Introduction: A Wyoming Complaint by a Debtor for Harassing and Malicious Telephone Calls Regarding Debt, Invasion of Right to Privacy, and Violation of the Federal Fair Debt Collection Practices Act aims to address a debtor's concerns regarding the continuous harassment and invasion of their privacy by debt collectors. This complaint seeks to seek justice and protection through remedies provided by the State of Wyoming and the Federal Fair Debt Collection Practices Act (FD CPA). 1. Wyoming Complaint by Debtor for Harassing Calls Regarding Debt: A debtor in Wyoming may file a complaint against a creditor or debt collector who engages in persistent and harassing telephone calls regarding debt. This type of complaint highlights the violation of a debtor's peace, causing emotional distress and inconvenience. 2. Wyoming Complaint by Debtor for Malicious Telephone Calls Regarding Debt: An additional type of complaint that may be filed by a Wyoming debtor focuses on malicious telephone calls from debt collectors. This type emphasizes the intentional use of aggressive or threatening language, harassment, or intimidation tactics employed by the debt collector. 3. Wyoming Complaint by Debtor for Invasion of Right to Privacy: A debtor in Wyoming may file a complaint for the invasion of their right to privacy by debt collectors. This complaint addresses situations where a debtor's privacy is violated through excessive or unwarranted contact, disclosure of personal information to unauthorized parties, or continuous communication despite specific requests to cease contact. 4. Wyoming Complaint by Debtor for Violation of the Federal Fair Debt Collection Practices Act: Debtors in Wyoming have the right to file a complaint when debt collectors violate the provisions set forth in the federal Fair Debt Collection Practices Act (FD CPA). This complaint targets specific FD CPA violations, including misleading or deceptive collection practices, using false or misleading statements, engaging in unscrupulous or unfair practices, or failing to follow proper debt collection procedures. Conclusion: Wyoming debtors facing harassing and malicious telephone calls regarding debt, invasion of right to privacy, and violation of the Federal Fair Debt Collection Practices Act have various types of complaints available to them. The specific type of complaint to be filed depends on the nature and extent of the debt collector's actions. It is essential for debtors to understand their rights and seek appropriate legal remedies to put an end to such unscrupulous debt collection practices.
