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The Fair Debt Collection Practices Act (aka FDCPA), 15 U.S.C. § 1692 et seq., is a United States statute added in 1978 as Title VIII of the Consumer Credit Protection Act. Its purposes are to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information's accuracy. The Act creates guidelines under which debt collectors may conduct business, defines rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. It is sometimes used in conjunction with the Fair Credit Reporting Act. Congress passed a law called the Fair Debt Collection Practices Act ("FDCPA") in 1977 to protect consumers from abusive Collerctors.
The Fair Debt Collection Practices Act Dictates That The Collection Agency Must Pay Your Reasonable Attorney Fees If You Win Your Claim! If Your Claim is Not Successful You Still Do Not Have To Pay Us!
If Collectors violate the law and violate your privacy, You Can Fight Back! No Fees To You-The Collection Agency Will Have to Pay You if You Win Your Suit and They Have to Pay Your Attorney Fees!!
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If what a collector or lawyer is saying to you just doesn't make sense it probably should not have been said. Even if you owe the debt or some portion of the debt but have fallen behind, that does not give anyone the right to threaten and embarrass you.
The following types of behavior by a debt collector toward a consumer over the telephone, in writing, or in person will likely be a violation of the FDCPA:
- Disrespectful
- Undignified
- Unfair, or
- Untrue
If you feel that you have been treated in such a manner, you may have a right to sue the debt collector and get money back from THEM for their misconduct.
If a debt collector has left a voice mail for you or discussed your matter with co-workers or other family members they may have violated the FDCPA.
We are happy to review your situation and let you know if you have a case. There is no cost to you.
If you are successful in an FDCPA claim, you can get up to $1,000.00 for the violation plus any actual damages you may have suffered. The best part is the collector will have to pay your attorney fees.
We do not charge any fees to you, we only collect from the collector!!
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