California Debt Harassment Attorney wants to explain the statute that requires decency from debt collectors while attempting to collect a debt: the Fair Debt Collection Practices Act (FDCPA). Congress has put rules on debt collectors to prevent unfair, untrue, undignified and disrespectful behavior from debt collectors.
History
The Federal Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. 1692-1692p, was enacted by the U.S. Congress to level the playing field between debt collectors and debtors (people who owe a debt). Before the FDCPA was enacted, debt collectors were commonly using such extreme tactics as threatening violence, screaming and cursing at people, falsely threatening to have them jailed for committing crimes, and publishing in public media lists of “dead-beats” that don’t pay their debts. Some of these egregious tactics are still being used today!!
What does it do?
The FDCPA creates a set of approximately 40 rules that debt collectors MUST comply with in their debt collection efforts, and they often violate these either because they don’t care or they don’t have proper training. If they are in violation of any of these rules, you are entitled to receive up to $1,000 and a court order for them to stop their violations, and this is at NO COST TO YOU because our attorney’s fees and costs of litigation are guaranteed to be paid by the defense!
What you need to know
If you are being contacted by any debt collector or creditor, whether by mail, email, fax, or phone call, you must contact us IMMEDIATELY to review whether they have violated the law. We say immediately because you have one year to file a claim for harassment before the statute of limitations precludes your claim. We will give you a free, confidential consultation to decide if you may be entitled to monetary damages.
