Just because you owe a debt, it doesn’t give a debt collector or collection agency the right to treat you unfairly. Nearly all States have enacted Fair Debt Laws to regulate debt collection and help you fight debt collector problems, these laws mirror the protections offered to consumers in the Federal Fair Debt Collection Practices Act. These laws apply in the context of virtually all consumer debts, including but not limited to credit card bills, medical debts, loans, when you are expecting repossession and almost every other consumer bill.
In addition to making bad debt collectors stop their collection efforts against you, FDCPA violations and violations of other related must know consumer protection statutes can provide victims of debt collection abuse monetary damages of up to $1,000.00! In certain cases, additional damages can be awarded to a victim for malicious misconduct or intentional harm caused by the debt collector. And the debt collector pays your attorney’s fees!
Stop FDCPA Violations and debt collector harassment NOW!
Fair Debt Collection Practices Acts cover “consumer debts,” generally defined as a consumer’s personal commitment to pay back money arising out of a transaction in which the money, property, insurance, or services (being purchased) are primarily for personal, family, or household purpose — things like credit cards, loans and medical debt. and by way of comparison, debts for parking taxes, income tax and alimony payments are NOT consumer debts.
What or who is a Debt Collector?
Debt collectors are anyone “who uses any instrumentality of interstate commerce or the mail in any business, the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due another.” The term also includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts.
Are creditors covered under Fair Debt Collection Practices law?
Creditors may or may not be covered under Fair Debt Collection Practices Law, each state has its own statutes which regulate debt collection practices within its boundaries. You can contact a Fair Debt Help Lawyer to find out whether or not a creditor is covered under your state’s debt collection laws.
A Fair Debt Help Lawyer, knowledgeable about Federal and State Debt Collection Laws can advise you of your rights. Since a debt collector may attempt many different tactics, it is difficult to determine on your own whether a violation has occurred, an experienced FDCPA attorney can evaluate your situation and advise you accordingly. If you hire an attorney to represent you with regard to the debts you owe, debt collectors must contact your attorney instead of you.
Who pays the Lawyer?
The Fair Debt Collection Practice Act provide for payment of attorneys fees BY THE DEBT COLLECTOR (or defendant) if you prevail. Fair Debt Collection Practices lawyers listed at this website will generally represent you at no cost to you*, so there is no reason to fight this battle alone!
When does the law apply?
The FDCPA applies when these third-party debt collectors attempt to collect a consumer debt from a person. A consumer debt is a debt which was incurred for personal, family or household services. This includes a wide variety of debts such as one created when a person purchases a computer on a credit card or buys insurance for a home. The law applies to debt collection phone calls, written communication or reporting the debt to a credit reporting agency. There are literally countless things a debt collector may not legally do, and many things they are legally required to do.
What’s a good solution?
Call Fair Debt Help Lawyers now at 888-332-7252 for a FREE case review or submit an online inquiry now. With help, you may be able to cease collection efforts, hold off collections until your debts are validated, and/or settle your debts for fractions of the amount demanded or owed. Where your fair debt rights have been violated, a Fair Debt Help law firm may even be able to sue a debt collector on your behalf under an FDCPA for statutory damages to you of up to $1,000 (make the collector pay you!!!), plus any actual damages suffered, plus attorney fees (so FDCPA litigation costs you nothing).
You have nothing to lose in asking a Fair Debt For Consumers attorneys to review your financial situation (the case review is FREE!!) and although no lawyer can promise any result, nor even promise help, Attorneys For Consumers are out there who will take the time to see if you qualify for debt the many kinds of debt help options and debt assistance available. Don’t wait, do it now.
If you want to get a head start fighting back on your own, you can use our debt collections communications log to track all the collection attempts against you. Learn about the federal call recording law as well as the call recording laws in your state to see if you can legally record your phone call with a debt collector. Use our site’s cease and desist or dispute debt letters to assist in your efforts to stop collector’s calls and letters and protect yourself from the predatory acts of unscrupulous debt collectors. Then read our debt collection glossary to learn the important terms and check out answers to Fair Debt FAQs for answers to those common questions!
Submit your debt collector problem to our directory of consumer protection attorneys for a Free Case Review!
If nasty, abusive, obnoxious and threatening debt collectors are calling you at all hours of the day and night, bombarding your cell, work or home phones with collection calls and voice mails, you CAN fight back.
If your friends, family and neighbors are being contacted about your debt causing you unnecessary embarrassment, or if Zombie Debt Collectors are attempting to collect a debt from you that is outside the Statutes of Limitations in your state, you CAN fight back.
Even though your mailbox may always seem to be filled with a multiplying amount of collection letters each day, you CAN fight back.
A Debt Collector Cannot:
- Call you an unreasonable number of times
- Call at unusual times or places
- Use profane or other abusive language
- Share private information about your debts with others
- State you are a criminal or will be arrested
- Lie to or deceive you