Collection Violations and the Fair Debt Collection Practices Act (FDCPA)

Debt collectors and collection agencies are regulated by the Fair Debt Collection Practices Act (FDCPA). This act is very clear about what a collector can and cannot do when trying to collect on a debt. But as most people can tell you, collection agencies do not always follow the law.

Very frequently, debt collectors will threaten you with a lawsuit, or a wage garnishment, or even imprisonment. They will call your friends, family, and place of work. But this kind of collection activity is unlawful.

Fortunately, the FDCPA allows you to defend your consumer rights against this kind of conduct. So long as a violation can be shown to have occurred, the collector has to pay you damages in the amount of $1,000. In addition, the collector will also be required to pay your reasonable attorney fees. This means that there will be no upfront costs to you in bringing suit against the collection agency that has violated your rights.

At The Bankruptcy Company, we want to make sure that your legal rights are protected. And if a debt collector or collection agency is violating those rights, we will be more than happy to discuss your options, answer all of your questions, and take on your case immediately. The initial consultation is free of charge. So call today to learn more!!