Fair Debt Collection Practices Act

Your Rights Under the FDCPA: Creditor Harassment is Illegal

The Fair Debt Collection Practices Act, or FDPCA, exists to protect you as a consumer from unfair and abusive treatment by creditors and debt collectors. The Act specifies behavior in which a debt collection agent may not indulge in collecting on a debt. While they have a legal right to collect debts owed, when their actions violate your rights under the Act and are harassment, it is time to enlist the help of a qualified attorney. You can seek relief and could be eligible for compensation for damages if the collections firm has violated your consumer rights.

Some examples of actions which are illegal per the FDCPA include a debt collector calling at odd hours, calling so incessantly as to constitute a nuisance, or continuing to call you at work after your employer has requested they not do so. A debt collector may not use rude, abusive or discriminatory language, or threaten you with violence or legal actions they do not intend to take, such as filing a lawsuit against you. There are many more actions from which you are protected by law so if you feel you are being harassed or treated abusively, contact an attorney for help pursuing relief.

Assistance with Protecting Your Rights

When you have an attorney from Price Law Group as your advocate, they will take all legal action necessary to resolve your situation. The legal team at the firm confronts the creditor with their violations of the FDCPA and demands they immediately comply with their legal obligations. The firm also instructs your creditors to direct any communication regarding your account to your legal representative directly and to cease further contact with you. As needed, your legal counsel can seek an injunction against your creditors and also sue for damages where their conduct has been particularly outrageous.