What is FDCPA?
An Overview of the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, is a set of laws that
were enacted by Congress in 1978. These laws are meant to protect the
rights of consumers, as well as delineate what debt collectors cannot
do in the pursuit of a debt. Specifically, this act exists to ensure that
consumers are not being abused or harassed by the practices of unscrupulous
debt collectors. The act forbids collectors from:
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Contacting debtors at odd/inconvenient hours (traditionally described as
before 8 am and after 9 pm)
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Employing profane or abusive language when speaking with debtors
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Contacting debtors at their place of work, after the debtor's employer
has expressly asked for this not to occur
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Threatening debtors with lawsuits, if no such suit is actually intended
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Telling debtors that they have committed a crime, or threatening them with
arrest/jail time
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Contacting the debtor's friends or family to discuss their debt
If you are actively being harassed or abused by debt collectors, then you
will want to contact a Price Law Group
bankruptcy attorney as soon as possible. In addition to possibly helping you to get the abuse
to stop, they can provide you with debt relief options that may eradicate
your negative financial situation for good.
Bankruptcy Attorney in California, Nevada, Arizona and New York
Price Law Group provides comprehensive service to those who are struggling
financially, be it in the form of
bankruptcy help or filing legal action against
abusive debt collectors. Our goal is to end the financial strain of our clients, and we work quickly
and diligently in the pursuit of making that goal a reality. Contact our
offices today if you are being harassed by unethical debt collectors.
We will provide you with information and options that are designed to
result in you returning to a happy, debt-free life.
If you are being harassed or abused by debt collectors who are violating
the FDCPA, contact a
Price Law Group Bankruptcy Lawyer right away for legal assistance.