Debt Collection Laws

A debt collector, according to the federal Fair Debt Collection Practice Act (FDCPA), is any person or company that collects debts that are owed to others, which typically occurs when debts are past-due. This can include collection agencies or attorneys who collect debts as a part of their business. However, your credit card company, bank and auto loan company are not categorized as debt collectors, so they cannot be held responsible for violating the FDCPA.

The FDCPA was established to prohibit debt collectors from using discriminating, abusive or deceptive practices to collect debts from consumers. If you have suffered harassment from a debt collector, you need to seek the legal counsel of an experienced debt collection attorney to protect you from the abuse.

Once a consumer has their debt go into collection, they do have rights and those rights include protection from abuse by a debt collector. Debt collectors are not allowed to harass consumers and are not allowed to misrepresent what will happen to you if you do not pay. Debt collectors are not allowed to discuss your debt with other people and are also unable to contact your employer if your employer does not allow these types of calls. Your validation rights need to be discussed with you when you are first contacted by a debt collector, so you have the information as to what the debt is for and who it is owed to.

Debt Collection Law Firm

There are many instances in which a lawsuit will be filed against you as a form of debt collection. If you have had a lawsuit filed against you, you need to seek the legal counsel of a proficient attorney in order to avoid having a judgement against you. The debt collection attorneys of The Consumer Advocacy Center, P.C., have vast experience handling debt collection cases that involve FDCPA laws and protecting the rights of consumers. If you believe that you have suffered from your rights being violated, please reach out to us so we can get you in contact with a proficient attorney.