Dealing with debt is a challenging experience for many individuals and families. It becomes even more stressful when debt collectors use unfair or aggressive tactics. The Fair Debt Collection Practices Act (FDCPA) serves as a shield for consumers, setting strict guidelines on how debt can be collected. At Martin & Bontrager, we are committed to ensuring that your rights are protected under this crucial legislation.

Understanding the Fair Debt Collection Practices Act

The FDCPA was enacted to eliminate abusive practices in the collection of consumer debts, promote fair debt collection, and provide consumers with an avenue for disputing and obtaining validation of debt information. The Act outlines what debt collectors can and cannot do when collecting a debt, such as the times they can contact you, the manner of communication, and the information they must provide about the debt.

Common Violations of the FDCPA

Despite the clear guidelines set by the FDCPA, violations are not uncommon. These can include:

• Calling before 8 AM or after 9 PM without your permission.
• Using threatening or abusive language.
• Misrepresenting the amount you owe.
• Contacting you at work if they have been informed it is unacceptable.
• Failure to send a written notice of the debt.

How Martin & Bontrager Can Assist You

If you believe that a debt collector is violating your rights under the FDCPA, you do not have to suffer in silence. Our team at Martin & Bontrager is here to assist you. We can help by:

• Reviewing your case and advising you on the best course of action.
• Sending a cease and desist letter to stop harassing calls.
• Negotiating with debt collectors to settle your debt.
• Representing you in court, if necessary.

Take Action Today

Experiencing unfair debt collection practices can be overwhelming, but you have rights, and we are here to protect them. If you are facing harassment from debt collectors or believe your rights under the FDCPA have been violated, contact Martin & Bontrager today. Let us stand up for you and ensure that you are treated fairly and with the respect you deserve.

Your Path to Fair Debt Collection Begins Here

Taking the first step towards asserting your rights can be daunting, but you’re not alone. Martin & Bontrager is here to support and guide you through every step of the process. Reach out to us for a consultation, and let us help you ensure that your rights under the Fair Debt Collection Practices Act are fully protected.