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. This Act also sets out strict rules regarding communicating with the debtor. 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. He can contact the debtor at home, but cannot contact the debtor at the debtor's club or church or at a school meeting of some sort. The debtor cannot be contacted at work if his employer objects.
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.
Wyoming Complaint By Debtor For Harassment in Attempting to Collect a Debt, Using Harassing and Malicious Information, and Violating the Federal Fair Debt Collection Practices Act is a legal process used by debtors in Wyoming who have been subjected to harassing and malicious behavior by creditors while attempting to collect a debt. This complaint seeks to protect debtors from unfair and unethical practices by invoking the guidelines set forth by the Federal Fair Debt Collection Practices Act (FD CPA) while also addressing any violations specific to Wyoming law. Keywords: Wyoming Complaint By Debtor, Harassment in Collecting Debt, Harassing and Malicious Information, Violating FD CPA, Federal Fair Debt Collection Practices Act, Debt Collection Harassment, Unfair Debt Collection, Wyoming Debt Collection Laws. In Wyoming, debtors may file a complaint if they have experienced any of the following situations: 1. Harassment in Collecting Debt: This type of complaint may be filed when a debtor has been subjected to constant phone calls, threats, or abusive language from the creditor or debt collection agency. Such behavior is deemed harassment and is prohibited under the FD CPA and Wyoming state laws. 2. Using Harassing and Malicious Information: If a creditor or debt collector has been using false or misleading information to intimidate or coerce debtors, a complaint can be filed. This includes spreading rumors, disclosing personal financial information to unauthorized parties, or maliciously misrepresenting the debt. 3. Violating the Federal Fair Debt Collection Practices Act: Debt collectors must adhere to the strict guidelines outlined in the FD CPA when communicating with debtors. A complaint can be filed if the debt collector has violated any of these guidelines, such as contacting the debtor at prohibited hours, using abusive or obscene language, or misrepresenting the debt. 4. Other Wyoming-specific Violations: Wyoming may have additional laws or regulations regarding debt collection practices that further protect debtors. If a debt collector has violated any of these state-specific laws, the debtor can include these violations in their complaint to seek additional remedies. When filing a Wyoming Complaint By Debtor For Harassment in Attempting to Collect a Debt, Using Harassing and Malicious Information, and Violating the Federal Fair Debt Collection Practices Act, it is essential to provide detailed information regarding the incidents of harassment, the tactics employed, and any specific violations of the FD CPA or Wyoming laws. Including relevant dates, communication records, and any supporting evidence strengthens the complaint. Legal counsel or an attorney specializing in debt collection laws can provide valuable guidance and help ensure a comprehensive and effective complaint is filed.
