Countless people find themselves being bombarded with harassing phone calls from collectors. Often these collectors threaten wage garnishment, bank levies, or arrest. They may even threaten to make phone calls to the Division of Family Services, employers, and friends. These threats can be frightening and make life miserable! In some cases, the debt may not even exist. The Fair Debt Collection Practices Act (FDCPA) was established to set limitations and to disclose requirements on whatdebt collection agencies can do to collect. Because most people do not know their rights, they may be unaware of the protections afford to them by the FDCPA. If you are facing constant harassment from collection agencies, the Arizona, California, D.C., Indiana, Maryland, New Mexico, Ohio, Wisconsin and Utah consumer protection attorneys who are part of the Law Zebra Network* can help.
How Does the FDCPA Protect Consumers?
It can be scary when someone calls and makes threats about your life and how you live. Far too many debt collectors often resort to harassment and intimidation to force people pay their balance. These practices are wrong and illegal! The Fair Debt Collection Practices Act requires debt collectors to contact people by mail. The letter must contain precise and specific information to help the recipient resolve their debt, including the name of the creditor and the exact amount that is due. If you’ve received phone calls but not letters in the U.S. Mail, you have an actionable claim against a bad debt collector.
The FDCPA also places restrictions on how many times a collector can call your home. Nobody should have to worry about their phone constantly ringing from morning to night. But that is exactly what is happening to so many people. There are also limitations on the hours of the day collection agencies can make calls. Furthermore, the FDCPA limits who the creditor can speak to about your debt. For example, some collectors have been known to call the parents of the debtor. This is a serious violation. Third parties can only be contacted if the debtor cannot be located. If a debt collector has contacted your family members, neighbors, or employer you have an actionable claim.
Why do you need an Arizona, California, D.C., Maryland, New Mexico or Utah FDCPA attorney?
There is no reason why anyone should have to deal with constant harassment from collection agencies. Unfortunately, most people do not properly understand their rights and fail to take action. But it is important to understand you are protected by the Fair Debt Collection Practices Act. The lawyers who are part of the Law Zebra Network* have the experience, knowledge and legal resources to help place each client in the best position to succeed. We are not a law firm. We are a network of highly skilled protection attorneys fully committed to protecting the rights of regular people who find themselves bullied and harassed by big business. We work together to provide the most comprehensive set of skills available throughout the country. The network has attorneys with an extensive background in consumer protection law and have helped countless men and women recover money and damages as a result of fraud, harassment, misrepresentation and deceptive business practices.
Contact an attorney today.
When it comes to consumer rights protection, knowledge is power. The more consumers understand their rights, the better their chances of avoiding fraud and the damages that will ruin their credit and cause extra stress. Despite being very careful and understanding your rights, even the most educated consumer can fall victim to highly sophisticated schemes. Fortunately, there are ways to fight back. The first important step is to contact a team of consumer protection rights attorneys with a track record of protecting the rights of clients. To learn more, contact the lawyers who are part of the Law Zebra Network* and schedule a consultation today.