Under the FDCPA (15 U.S.C. 1692 (e)(11)), a debt collector must, in the initial communication with a consumer and in all subsequent communications, identify him or herself as a debt collector, as well as state that the call is an attempt to collect a debt and that any information will be used for that purpose.

Such a telephone call -- which lacked the applicable warning -- was one of the key issues in the case of Foti v. NCO Financial Systems, 424 F.Supp 2d 643 (2006). As a result, telephone calls or voicemail messages that lack the 15 U.S.C. 1692 (e)(11) warning are sometimes known as "Foti violations."

If you have been receiving harassing telephone calls or voicemails which fail to identify the fact that the caller is a debt collector and that any information will be used for that purpose, The Woods Law Firm, LLC can assist you.

In the event a lawsuit is filed, we advance all court filing fees and service costs -- remember, if a debt collector violates the FDCPA, you may receive up to $1,000 in statutory damages for these violations.

Call us at (860) 397-6451 today to schedule a case evaluation.