Delaware Fair Debt Collection Law
Delaware doesn’t have a state fair debt collection law (although it does require debt collectors to be licensed and pay an annual fee), so if you’ve been the victim of debt collector harassment, your best bet is to use the federal Fair Debt Collection Practices Act (FDCPA) to bring the debt collection agency to justice. The FDCPA makes certain debt collector tactics illegal, and gives you the right to sue a debt collection agency in federal court. If the debt collection agency has broken the law, you can receive actual expenses, attorney fees, and up to $1,000.
With the help of a fair debt attorney, you can often reach a settlement with a debt collection agency that either puts money in your pocket or erases part or all of that debt. Complete the form to the right, and the legal team at StopCollector.com will provide you with a free case evaluation. If the debt collector has violated the FDCPA, we’ll take your case absolutely free.
File a Complaint
Even though Delaware doesn’t have a separate fair debt collection law or fair credit reporting law, you should still file a complaint with the Delaware Attorney General. Often, attorneys general use consumer complaints as the basis for filing lawsuits against debt collection agencies. Filing a complaint is a way of making your voice heard, and of helping to put a stop to unethical debt collection practices.
You can print out a complaint form for the Delaware Attorney General’s office by clicking here.
Here’s the contact information to call or send a written complaint to the Attorney General’s office:
Delaware Department of Justice
Consumer Protection Division
Carvel State Office Building
820 N. French St.
Wilmington, DE 19801
Consumer.protection@state.de.us
Fax: 302-577-6499
302-577-8600 or 800-220-5424
You should also file a complaint with the Federal Trade Commission (FTC). The FTC is responsible for enforcing the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. It looks at patterns of consumer complaints and holds shady debt collection agencies accountable by suing them and fining them. It’s also required to provide Congress with an annual report about debt collection and credit reporting practices that includes the number of consumer complaints filed. You can file a complaint with the FTC by clicking here.
