FAQs

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 telecom debt, outlining what they can and cannot do.

Q: Can a telecom 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 my telecom bill is incorrect and a debt collector is contacting me?

You should immediately dispute the bill in writing with both the telecom provider and the collection agency, requesting verification of the debt.

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

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

Q: How do I know if a medical debt collector is acting illegally?

Illegal actions can include harassment (repeated calls, threats) , false statements about the debt or the consequences of non-payment, contacting third parties about your debt, or attempting to collect on a debt that is not valid .

Q: What is the Texas Deceptive Trade Practices Act (DTPA) and how might it apply to medical billing?

The DTPA protects consumers against false, misleading, and deceptive acts or practices . If a medical provider engages in deceptive billing, misrepresents the cost of services, or acts unconscionably, it could be a violation of the DTPA.