Consumer Protection Law
Consumer Protection Law Questions? Ask a Lawyer Now.
It appears as if the creditor, the car dealer is using "scare tactics" in violation of both Federal and State Law. Generally, under the Fair Debt Collection Practices Act, a debt collector can not threaten criminal action in connection to collect a debt. While, the car dealer may not be a creditor, the Consumer Protection Financial Bureau (CPFB) has extended certain rights against the creditors.
Additionally, under Indiana State Law, a creditor may not threaten to make arrests. Under both Federal and State law you are entitled to a $1000.00 in damages.
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