Fair Debt Collection Practices Act

The Fair Debt Collection Practices Act (FDCPA) is a federal law that limits the behavior and actions of third-party debt collectors who are attempting to collect debts. The law prohibits certain methods by which collectors can contact you.

The FDCPA provides that you have rights against illegal debt collection practices even if you owe the debt.

The FDCPA prohibits harassment and abuse by debt collectors. Debt collectors are also not allowed to use false or misleading representations in order to collect a debt.

If the FDCPA is violated, a suit may be brought against the debt collection company and you may recover monetary compensation.

The FDCPA establishes guidelines preventing debt collectors from using harassing methods.  Some examples of harassment include but are not limited to:

Many collection letters contain language that is prohibited by the FDCPA

The use of profane or abusive language during a collection call

Asking you to pay interest, fees, or expenses that are not allowed by law

Contacting you at work, while knowing that your employer doesn’t approve of personal phone calls during business hours

Calling before 8:00am or after 9:00pm

Calling repeatedly or continuously

Illegally informing others about your debt

The use or threat to use violence or other criminal means to harm a person, their reputation, or their property

Here is how our firm will work to protect your rights:

The FDCPA applies even if the debt is legitimate

We can review any collection letter you receive for potential violations

If you are harassed by a debt collector in any way, you may be eligible to sue the debt collector and receive a settlement for damages

We have sued many debt collectors, and have received numerous settlement funds for our clients

Our firm focuses on you, your consumer rights, and we fight vigorously and endlessly for the best results

We sue debt collectors who are harassing, threatening or engaging in abusive behavior. We are ready to discuss your situation and review any collection letters you may have received. Call Stein Saks, PLLC for a free consultation and we will advise you of your legal options.

Contact Stein Saks, PLLC

for a free consultation to better understand how we can help you.