The Fair Debt Collection Practices Act is a federal law that regulates the actions that third-party debt collectors can take when trying to collect a debt. The law is designed to protect consumers from creditor harassment and prohibits deceptive and abusive practices. Debt collectors that violate the FDCPA can be sued, and the consumer may be entitled to damages and attorney fees. If you’re suffering from creditor harassment or believe that a debt collector has violated the FDCPA, Option 1 Legal can help.
When you’re dealing with debt, you likely already have your hands full. Debt collectors can make the entire process harder and more stressful. The FDCPA can help you move forward and gain greater peace of mind by ending creditor harassment.
Common violations of the FDCPA include:
- Calling at inappropriate times, such as early morning or late evening
- Using abusive or profane language
- Threatening arrest
- Making false statements
- Attempting to collect invalid debts
- Calling after the receipt of written notice to end contact
Debt collectors can contact consumers at their homes or workplaces. However, debt collectors must not continue to call your workplace if they have been told either verbally or in writing to stop calling. A verbal request is not enough to prevent calls at home. To stop debt collectors from calling your home, you must send them a written request.
The FDCPA only applies to consumer debts, such as credit card debts, medical bills, car loans, personal loans, student loans, mortgages and to third-party debt collectors.
More people file complaints with the FTC about the debt collection industry than any other industry. Creditor harassment is a real problem that can have consequences far beyond the debt: It can cause stress, anxiety, stress-related health problems, marital problems and more. If you’re dealing with creditor harassment, legal representation can offer the protection you need. With an attorney on your side, creditor calls will stop. The team from Option 1 Legal will manage all creditor communications, and you’ll have the peace of mind you need.
Many states offer additional protections on top of the protection the FDCPA, a federal law, offers. Our team members at Option 1 Legal will protect your rights and help you find the best solution for your needs. We’ll stop the harassment and can even help you build a case. Contact us today to schedule your free case evaluation.