FDCPA -Fair Debt Collection Practices Act Explained

Do you know what the FDCPA is and how it can help you? First and foremost, the Fair Debt Collection Practices Act, or FDCPA for short, is a federal law that oversees debt collectors and debt collection practices. In essence, the FDCPA makes it illegal for debt collection agencies and the debt collectors who work for them to abuse, deceive, or harm you in any way when attempting to collect a debt from people who owe them money. That is good news for victims who are on the other end of those nasty phone calls from debt collectors.

However, a great deal of debt collectors ignores the FDCPA because they know that most consumers are unaware that it exists. If you are being abused, deceived, harassed, or harmed in any way by a debt collection company or a debt collector than contact a fair debt collection practices attorney ASAP. The fair debt collection practices attorney will help you in many ways. First and foremost, he or she will help you stop those harassing phone calls. That will make your life a whole lot more peaceful. The FDCPA also known as Fair Debt Collection practices Act is created to protect consumers from predatory collections.

Just imagine not being worried or even scared each and every time that the phone rings. Just because you owe someone money certainly doesn’t mean that you should be treated poorly. The next thing that a fair debt collection practices attorney can help you with is suing the debt collection agencies that are committing debt harassment. That’s right. Consumer law may permit you to sue any debt collection agencies that are breaking the law under the FDCPA. However, their actions must have caused you pain and aguish in order to be eligible for compensation.

For example, if debt collectors are calling you and insulting you to the point that it’s causing you so much stress that your health is being negatively affected, that would be cause for suing them. Your fair debt collection attorney will be able to provide you with more details, but it’s important for you to know that you have consumer rights and that debt collection agencies simply should not get away with treating you poorly. Another example of a FDCPA law that many debt collectors break is calling people at all hours of the day and evening.

If a debt collector happens to call you before 8 am or after 9 pm that is considered to be abusive. If any of these things are happening to you please contact Your Legal Rights Advocates today.