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Fact: Pursuant to the Fair Debt Collection Practices Act, communications from collection agencies must contain this Mini Miranda warning: “This is an attempt to collect a debt.”

Many Americans like you are being contacted by collection agencies who are trying to get payments on defaulted accounts they have acquired or been assigned. Even though you may owe a debt, you still have rights.

You should dispute the debt in writing if you feel as if the dollar amount the collection agency is requesting is inaccurate, if you feel the debt is not owed or if you feel the debt is fraudulent. You can send a letter to the collection agency within thirty days of first being notified of the collection. You should send this letter via certified mail so that you can prove that they received it. In response to your dispute, the collection agency must cease collection activity until they send you some sort of validation of the alleged debt. They can resume their collection efforts again once they produce proof of your debt.

The Fair Debt Collection Practices Act (“FDCPA”) regulates what debt collection agencies may and may not do. There are many things collection agencies cannot do or say when contacting you. Collection agencies may not:

  • use abusive or obscene language;
  • call before 8am or after 9pm;
  • call you repeatedly;
  • call you at work, if they know that your employer does not permit personal calls;
  • contact any third party and state that you owe a debt;
  • threaten to have you arrested or imprisoned.

    If any of these things occur, your best option is to consult with a consumer protection attorney.

  • 3 Comments

    1. Warren A. on April 14, 2015 at 7:53 pm

      CACI is also known as Consumer Adjustment Inc. I was harassed at work by CACI over a past due sewer bill. I made a good faith payment to CACI and will make payments to pay this off. I am being harassed daily by CACI, several times a day at work. Yesterday CACI tracked down a family member who has nothing to do with the issue and left a detailed message on his voicemail.

    2. Kelly on May 31, 2015 at 9:54 pm

      CACI calls a lot usually from 866-921-4211 and 8669214211. I usually ignore it. But I got one call from CACI once and I called CACI back. I spoke to a female. She was very rude. She said her company is CACI, that she’s looking for me and proceeded to be very rude.

    3. anonymous on June 21, 2015 at 8:34 pm

      CACI calls from 8669214211, 8773120141, 3147148457, and 3147569371. CACI is trying to collect a past due debt from the local hospital.

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    Vullings Law Group, LLC d/b/a VullingsLaw is not responsible for the content of the consumer comments provided here.  Vullings Law neither supports nor provides any opinion as to the statements made herein.