If you have fallen behind on your bills, chances are you are being pursued by a debt collector. You should know that there are numerous federal and state laws designed to protect consumers against abusive debt collectors.
One such law is the Fair Debt Collection Practices Act (FDCPA), which prohibits collection agencies and law firms from engaging in abusive, deceptive, or harassing conduct. Our experienced attorneys, have more than 30 years of knowledge handling a wide range of consumer matters. Since 1980 we have helped over 50,000 families.
The FDCPA provides that any debt collector who violates your rights may be required to pay statutory damages up to $1000, actual damages, and your attorney fees.
How Is What Amount Of Money Our Case Is Worth Determined?
Many factors will be considered, including the number of violations committed by the debt collector:
- How strong the proof is
- What the actual damages are
- How abusive and deceptive the conduct was
- What impact the harassment and abuse had on you
Debt Collectors Are Not Allowed To Do The Following:
- Yell, swear, or insult you
- Call your family, friends, or neighbors about your debt
- Threaten violence, lawsuits, garnishment, or, arrest
- Call you early in the morning or late at night
- Call your workplace when you have told them not to do so
- Leave harassing messages on your voice mail
- Try to collect more than what you owe
- Make anonymous calls to you or use fake names
- Make accusations that you are a criminal
Things You Can Do To Improve Your Case Against Collectors:
Make a log of any conversations that you have with collectors. The log should contain the following:
- Date of call
- Time of call
- Length of call
- Name of collector
- Name of collection agency
- What did the collector say to you?
- How much did they say that you owed?
- What threats were made?
- What was the abuse or harassment?
- Were calls made at work or to your friends or neighbors?
- Save every voice mail message as well as all messages left on a telephone answering machine, that the collection agency leaves.
- Tell us about every telephone message that may have been left with another person.
- Keep every collection letter, collection notice, and the envelopes that they were mailed in.
If you have been the victim of harassment from a collection agency or a collection attorney, let us fight for you. We can analyze your case and give you our opinion about what monetary damages you may be entitled to.