How an FDCPA Lawyer can help you stop Debt Collectors
Are debt collection agencies harassing you, calling you day and night at inconvenient times? Are they calling you at work when you have asked them to stop? Have they contacted your family and friends or threatened to file a lawsuit? You have rights established under the Fair Debt Collection Practices Act (FDCPA) and FDCPA Attorneys may be able to help you stop the creditor abuse.
The Fair Debt Collection Practices Act (FDCPA) identifies the legal actions a debt collector can take while trying to collect a debt. FDCPA Guidelines were established by Congress in 1977 under the Fair Debt Collection Practices Act (FDCPA). The FDCPA rules were created to ensure debt collectors treat debtors with dignity, respect and fairness. If debt collectors violate your FDCPA rights, FDCPA Attorneys can help.
If you owe debt and your FDCPA rights are being violated, you may need to hire a FDCPA Lawyer to help stop debt collectors who are using lies, deception, or other abusive debt collections tactics which violate the FDCPA rules. Debts which are covered under the FDCPA Laws will include most debt for family, and personal purposes and does not include commercial or business debt.
Common FDCPA Violations:
- Calling you at inappropriate times
- Calling you names, using racial slurs or profane language
- Misleading you about the debt status or the amount you owe
- Contacting your neighbors or friends
- Threatening any type of legal action, repossession or wage garnishment that they do not intend to pursue
- Making threats of violence or harm
- Repeated or continuous calls for debt collection
- Implying you have committed a crime by failing to pay a debt
- Misrepresenting their employer or acting like they work for a government agency
If your FDCPA rights are violated you can file a FDCPA lawsuit against the debt collector. The Fair Debt Collection Practices Act (FDCPA) allows you to bring a FDCPA claim within one year of the FDCPA violation. For all FDCPA claims you may be entitled to compensation. By filing a FDCPA claim you may be able to receive statutory damages up to $1,000, actual damages for medical costs and lost wages, and reimbursement for your FDCPA attorney's fees and all other FDCPA filing fees.
Debt collectors want to avoid a FDCPA lawsuit because it increases their debt collection costs and insurance rates. It also adds to their cost of business to defend FDCPA lawsuits and can result in additional government regulation.
As a consumer you may feel at a loss to defend yourself against the complicated debt collection tactics many collection agencies use, but as a consumer you have rights and these rights which are established under the Fair Debt Collection Practices Act (FDCPA) should not be violated.
If you have had your FDCPA rights violated, call a FDCPA Attorney who has the resources, experience and necessary knowledge to defend your FDCPA dispute against any debt collectors who are not following the FDCPA laws. An experienced FDCPA Attorney can file a federal civil lawsuit against debt collectors who do not follow FDCPA laws and stop FDCPA violations.