Further it is blatantly a violation to contact third parties and misrepresent any intent to sue or legal authority. You could file a suit right now if you wanted, or you can wait and see if the demands stop. You have the right to sue a collector in a state or federal court within one year from the date the law was violated. If you win, the judge can require the collector to pay you for any damages you can prove you suffered because of the illegal collection practices, like lost wages and medical bills. The judge can require the debt collector to pay you up to $1,000, even if you can’t prove that you suffered actual damages. You also can be reimbursed for your attorney’s fees and court costs, which is why there are quite a few attorneys willing to take these cases for plaintiffs.
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Thank you! 2 more questions:
1. Does the Fair Debt Collection Practices Act apply to businesses the same wat it does to individuals?
2. Regarding the violation to contact third parties and misrepresent any intent to sue or legal authority, is that addresses in the FDCPA or somewhere else?
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