FAQs

Q: What can I do if a utility debt is negatively impacting my credit report?

You have the right to dispute inaccurate information on your credit report with the credit bureaus.

Q: What is the Fair Debt Collection Practices Act (FDCPA)?

The FDCPA is a federal law that protects consumers from abusive and deceptive debt collection practices nationwide, including those related to utility debt.

Q: What is the Texas Debt Collection Act (TDCA)?

The TDCA is a Texas state law that regulates the actions of debt collectors , including those collecting utility debt, outlining what they can and cannot do.

Q: Can a utility debt collector keep calling me if I tell them to stop?

Under the FDCPA and TDCA , you have the right to tell a debt collector to cease communication with you by sending a written request.

Q: What should I do if I believe I do not owe the utility debt the collector is trying to collect?

You should immediately dispute the debt in writing with the collection agency and request validation of the debt .

Q: What are my rights when a debt collector contacts me about a utility bill?

You have rights under the FDCPA and TDCA that protect you from abusive and unfair collection practices.

Get a complimentary personal consultation.

Call us today at (800) 891-6988

Free Phone Consultation

Other Practice Areas

Overview

J. Gannon Helstowski Law Firm

Principal Office

5209 Heritage Ave, Ste 510

Colleyville, TX 76034

(800) 891-6988