Debt Collection Practices Georgia

Summary

Debt collectors in Georgia must follow the Fair Debt Collection Practices Act (FDCPA), which prohibits misleading representations such as fake appointments. You can demand they stop calling and dispute the debt. Violations of the FDCPA can be grounds for a lawsuit. Consult a lawyer for further steps.

Full Conversation

I have fallen behind on a bill and have been receiving calls from the collections department. They left a message saying that I have an appointment with the company and stating that they are calling to collect a debt. I never set up an appointment. Are they allowed to do this?
Hello ****, it's essential to know your location to provide accurate information. Debt collection practices can vary depending on jurisdiction. Could you please share where this is happening?
Georgia
In Georgia, debt collectors must abide by the Fair Debt Collection Practices Act (FDCPA) which:
- Prohibits misleading representations, like setting up fake appointments.
- Allows you to demand that they cease calling you.
- Lets you dispute the debt.
Consider seeking legal advice for any breaches.
Could I sue for the misleading message? Can they say they are collecting a debt in a voicemail?
Yes, you can sue for violations of the FDCPA. They can say they're collecting a debt in a voicemail, but they must not mislead or deceive. Consult a lawyer for the next steps.