If you’re facing relentless debt collection calls and practices that feel abusive, it’s essential to know your rights. The Fair Debt Collection Practices Act (FDCPA) provides consumers with the legal protections they need to stop aggressive and illegal collection tactics.
What is the Fair Debt Collection Practices Act?
The Fair Debt Collection Practices Act is a federal law that protects consumers from being harassed by third-party debt collectors. It outlines specific practices that debt collectors are not allowed to engage in, including threats, lies, and harassment. If a debt collector violates these rules, you have the right to take legal action.
Common Violations Under the FDCPA
Debt collectors often push the boundaries of the law when it comes to collecting money. The following are some of the most common violations of the FDCPA:
- Harassment and intimidation – Repeated phone calls, use of abusive language, and threats of physical harm are all prohibited under the FDCPA.
- Calling at inappropriate times – Debt collectors can’t call before 8 a.m. or after 9 p.m. unless you’ve agreed to it.
- False representation – Debt collectors are prohibited from misrepresenting themselves, the amount owed, or the consequences of non-payment.
- Revealing your debt to others – Debt collectors cannot discuss your debt with anyone other than you, your spouse, or your attorney.
- Threatening legal actions that aren’t possible – If a debt collector threatens to take legal action they cannot pursue, they are in violation of the FDCPA.
How a California Debt Collection Attorney Can Assist You
If you’ve been subjected to abusive collection practices, a California attorney experienced in FDCPA claims can help. They will review your situation and determine if you’ve been a victim of illegal collection practices. If so, an attorney can represent you in filing a lawsuit, potentially earning you compensation for damages caused by the unlawful actions of the debt collector.
Moreover, a lawyer can step in to communicate with the debt collectors on your behalf, taking the burden off your shoulders and ensuring they follow the law. With legal support, you don’t have to face harassment alone.
Why Martin & Bontrager, APC is Here for You
At Martin & Bontrager, APC, we understand the difficulties that come with dealing with illegal debt collection practices. We are dedicated to helping consumers hold abusive debt collectors accountable and protect their rights under the FDCPA. If you’ve been subjected to unlawful collection tactics, contact us today to learn how we can help you fight back.
