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.


FDCPA Violations

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.



Creditor Harassment

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.

© 2019. Option1Legal.com

Option 1 Legal is a law firm. This website is an advertisement. It is not a lawyer referral service or prepaid legal services plan. Each of the lawyers on this site are either Managers, Members, Partners, Limited Partners or staff attorneys. All photos are of models and do not depict clients. An attorney responsible for the content of this Site is Phiona Gardner licensed in Maryland with offices at 10440 Little Patuxent Parkway, Ste. 300, Columbia, MD 21044.

Andrew Carroll, Esq., an attorney admitted to practice law in New Jersey, is the supervising lawyer in charge of all New Jersey matters handled by Option 1 Legal. Andrew Carroll, Esq. has offices at 285 Chestnut St., Hammonton, NJ, 08037. Phone: 609.400.1302.

If you live in Alabama, Florida, Missouri, New York or Wyoming, please click here for additional information.

By an Act of Congress and the President of the United States, Option 1 Legal, is a federally designated Debt Relief Agency. Attorneys and/or law firms promoted through this website are also federally designated Debt Relief Agencies. They help people file for relief under the U.S. Bankruptcy Code. Disclosures Required Under the U.S. Bankruptcy Code.

Option 1 Legal is a private law firm and is not affiliated with any governmental agency, quasi-governmental agency, or charitable organization.

Option 1 Legal practices under a trade name and therefore in states where required, utilizes the services of and identifies the duly licensed lawyers in those states.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.