Fair Debt Collection Practices Act
Are you facing debt collectors’ harassment while fighting to save your home or family business? The Fair Debt Collection Practices Act (FDCPA), sometimes known as fair credit collections act, protects people from relentless debt collectors’ harassment. The attorneys at Aleshire Robb & Rapp, in Springfield, MO, understand how easily credit card or medical bills can overwhelm good people like you, especially if you have recently lost a job or simply cannot find work. We know the financial struggles are difficult enough without harassment from debt collectors.
If a debt collector is breaking the law by harassing you, reach out to Aleshire Robb & Rapp. We may be able to stop debt collectors’ harassment and even turn the tables, seeking financial compensation when debt collectors go too far.
Can We Really Stop Debt Collectors’ Harassment?
Yes, we can end the debt collectors’ harassment you have endured. Fortunately, there are laws like the Fair Debt Collection Practices Act, which protect you from incessant pressure by bill collectors. Our attorneys have experience protecting debtors’ rights and stopping debt collectors’ harassment. We have also been able to file suit against the bill collectors and resolve these cases in favor of the debtors.
For answers about your rights as a debtor or for an experienced ally to fight harassment from debt collectors, call Aleshire Robb & Rapp to schedule a free consultation: 417.869.3737.
What Is the Fair Debt Collection Practices Act?
The Federal Fair Debt Collection Practices Act (FDCPA), sometimes called the fair credit collections act, established wide-ranging protections and rights for debtors. For instance, debt collectors cannot use the following tactics:
- Threaten legal action (threats of filing a lawsuit, taking you to court, garnishing your wages or putting a lien on your property)
- Call you at work even though you told them to stop
- Claim they are an attorney or public official when they are not
- Threaten to prosecute you or throw you in jail
- Contact other people about you or your debt
- Threaten violence or harm to you or your property
- Publish your failure to pay debt
- Use profanity or racial slurs
- Make constant or repeated phone calls to purposefully annoy you
Additionally, debt collectors cannot make false statements in an attempt to collect a debt. Harassment from debt collectors also includes exaggerated or false statements regarding consequences for not meeting their terms.
Many times debt collectors sue you even though they do not own the debt and cannot prove they have the right to sue you. They often times attempt to sue you on debts that are too old, debts they cannot prove because they do not possess the correct documentation or attempt to sue you after the debt has been discharged in bankruptcy. If any of these abuses occur, you may be entitled to statutory and actual damages as well as attorneys’ fees.
Greg Aleshire and Bill Robb have experience stopping debt collectors’ harassment and, when necessary, suing for financial compensation from creditors who refuse to abide by FDCPA regulations. Ready to end the harassment? Contact Aleshire Robb & Rapp.