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Fair Debt Collection Practices Act (FDCPA)

Are you being harassed by debt collectors?

The Fair Debt Collection Practices Act, also referred to as FDCPA, governs the debt collection practices of debt collection agencies. It protects individuals that have accrued consumer debt; not business or tax debt. When a person faces financial difficulty, the last thing he or she needs is a collecting agency calling numerous times during the day, taunting the debtor. Such unlawful collecting methods can encourage individuals to file for bankruptcy, create discord in marriages, can lead to the loss of jobs, and can deeply affect people's mental and physical health. It is therefore recommended to seek knowledgeable representation that can protect your rights by putting an end to the abuse.

At the Price Law Group, their attorneys have experience helping clients fight unfair debt collection agents, and potential filing for bankruptcy protection . The firm's dedication to helping clients make informed decisions by explaining all the available options can significantly help clients achieve financial freedom.

Enforce Your Rights Today!

Communication for collecting debt is scrutinized by the FDCPA in order to protect debtors from abuse. The following are collection tactics that directly violate the Fair Debt Collection Practices Act:

  • Threatening to sue or imprison the debtor
  • Threatening to inform relatives, friends and co-workers of the debt
  • Using profane or aggressive language, yelling and shouting
  • Calling the debtor excessively throughout the day, or calling at unreasonable hours
  • Disclosing debt information to family members, friends or co-workers
  • Misleading or giving false information to the debtor
  • Charging late fees, additional interests or collection fees
  • Allocating payments to debts being disputed, in the case of multiple debts
  • Receiving debt collection notices from more than one debt collection agency for one same debt
  • Persisting to call debtor after he or she wrote a letter to the collection agency requesting the contacting cease
  • Being contacted by collection agency after the debtor notified the agency about having retained legal representation
  • Failing to follow the debt notification procedure (providing clear debt information to debtor in timely and orderly manner)

Depending on the severity of the abuse on behalf of the debt collection agencies, the debtor could be compensated for the following statutory damages:

  • Medical expenses
  • Accounting or legal fees
  • Up to $1,000 in monetary compensation

Your livelihood along with your personal life and health are at stake. The firm can thoroughly advise you and help protect your rights.

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