Fighting for Your Fair Debt Collection Practices Act Rights
In 1978, Congress passed the Fair Debt Collection Practices Act, commonly known as the FDCPA. This landmark law was designed to protect consumers from unfair, extreme or unwarranted forms of debt collection.
Sadly, the FDCPA is notoriously difficult to enforce. With the Federal Trade Commission receiving hundreds of thousands of illegal debt collection complaints annually, it’s likely that you or someone you know has been victimized. If creditors call you at inappropriate times or hound you even though you don’t owe them anything, you may need assistance from a Bedrock Legal Group FDCPA attorney.
Who Do Bedrock Legal Group FDCPA Attorneys Help?
Although the FDCPA excludes debts owed by business entities, it protects anyone who owes mortgages, vehicle loans, education loans, medical bills or other personal debts. The law is very clear about what counts as an acceptable form of collection and what doesn’t, so it’s a vital tool if you want to avoid falling prey to collectors who act in bad faith.
Violations of FDCPA rules come in many forms. We’ve helped people deal with many illegal actions, including:
- Collection agents discussing debts with third parties,
- Collection agencies inaccurately reporting the standing or amount of debts,
- Debt collectors calling at inconvenient times, like late in the evening or early in the morning,
- Debt collectors repeatedly calling people at their places of employment even after they or their employers requested that they stop,
- Collectors lying, misrepresenting facts or impersonating officials, like police or attorneys,
- Collectors threatening people with the prospect of lawsuits, garnished wages or physical harm,
- Debt companies failing to reveal all of the information pertaining to debts,
- Debt companies failing to furnish information and resources that could help consumers dispute their debts,
- Collection agencies illegally tacking on fees and interest, and
- Collectors constantly calling people to obtain debts that they didn’t actually owe.
Why Should You Fight Back?
Working with an attorney to file an FDCPA lawsuit may provide you with relief from creditors. Although you’ll still have to repay any valid debts you owe, the fact that you won’t have to deal with unfair, illegal harassment might just make your life livable again.
What do you stand to gain by filing an FDCPA lawsuit? If your case succeeds, you may be eligible for:
- Monetary damages,
- Statutory damages,
- Court expenses,
- Legal fees, and
- Other costs you incurred as a result of being victimized.
At Bedrock Legal Group, we focus on helping you pursue relief and exercise your FDCPA rights. Discover how to stop collection agencies from abusing you by contacting one of our attorneys now.