Although the Fair Debt Collection Practices Act, or FDCPA, was passed by Congress in 1978, few consumers are aware of the protections it provides. The FDCPA was designed to protect consumers from dishonest, extreme or unfair forms of debt collection. Know your rights and what to expect, and save yourself headache and stress. The Federal Trade Commission deals with an enormous amount of complaints annually and it exhausts their resources. Logistically it’s impossible for them to handle each individual issue a consumer has–that’s where a Century Law attorney can help. If you’ve received phone calls at a late hour or been harassed for a debt you didn’t owe, consider consulting an attorney with knowledge of the FDCPA and how it can protect you. You might even have a case against a creditor.

Who is protected by this law?

For individuals, anyone who owes mortgages, car loans, student loans or the like are protected under this law. The FDCPA does not protect businesses who owe debt. The law is very straightforward about what counts as a legal form of collection and what doesn’t. That’s why knowledge of this law is critical if you want to avoid falling victim to collectors who treat debtors unfairly.

Here are some examples that show how debt collectors may have violated FDCPA rules:

• Discussing debts with third parties
• Inaccurately reporting the standing or amount of debts
• Calling at inconvenient times, like late evening or early morning
• Repeatedly calling at your places of employment, even after you or your employers requested they stop
• Lying, misrepresenting facts or impersonating officials, like police or attorneys
• Threatening people with the prospect of lawsuits, garnished wages or physical harm
• Failing to reveal all of the information pertaining to debts
• Failing to furnish information and resources that could help consumers dispute their debts,
• Illegally tacking on fees and interest
• Constantly calling to obtain debts that aren’t actually owed by the individual

We’ve helped clients with many of these illicit actions. Using an attorney at Century Law to file an FDCPA lawsuit may provide you with relief from creditors. Although you’ll still have to repay any valid debts, avoiding unfair or illegal harassment can relieve stress and make your life livable again.

A successful FDCPA lawsuit filing can make you eligible for monetary damages, statutory damages, court expenses, legal fees and other costs incurred as a result of being victimized. Contacting one of our attorneys can stop collection agencies from harassing you, and give you the peace of mind you deserve.

Contact our law firm today to learn about the first steps to FDCPA protection.


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