Fair Debt Collection Practices Act

What is the Fair Debt Collection Practices Act, or FDCPA? How could it help you change your perspective on dealing with debt responsibly? At Great Lakes Law Firm LLC, we never quit working to keep you informed about your FDCPA rights and how to exercise them.

The Basics of Your FDCPA Protections

The FDCPA is designed to give you more power as a debtor. It definitively outlines the rules that collectors must follow, meaning that certain practices are outright prohibited.

The FDCPA forbids any collection activities that can be reasonably construed as misleading, abusive or deceptive. For instance, debt agencies and their representatives shouldn't harass you after you've indicated that you don't want to discuss the debt. They can't talk to people who shouldn't know about the debt, such as your relatives or co-workers.

Debt collectors also can't try to make you pay by falsely threatening legal actions, such as lawsuits, or claiming to be police officers who might arrest you. FDCPA protections prohibit a number of other activities that nobody should have to settle for, and if your collectors have violated the law, you might be able to sue.

Does the FDCPA Cover Your Case?

The FDCPA's broad nature is good because it protects more consumers, but this can also make it confusing. For instance, a debt collection agency might contact you about a debt that you don't own, but if they made a sincere mistake, then a judge might decide that they're not liable. On the other hand, if your debtor neglects basic procedural requirements, such as identifying themselves in their communications with you or verifying your debt in response to your request, then you might be eligible to receive damages.

How can you plan out your case correctly? It's all about doing your homework. In other words, you need an experienced legal team that assesses your situation on its individual merits and helps you pursue the smartest course of action.

Being in debt doesn't mean that you have to sit back while collectors mistreat you.

As long as you build a case around verifiable evidence, you can take collection agencies to court to recover

  • Actual damages,
  • Attorney's fees and court costs, and
  • Statutory damages.

You could receive up to $1,000 in statutory compensation without even having to prove how you were damaged. Your legal action could also protect other debtors from having to deal with harassment. Why not make a difference? Contact Great Lakes Law Firm LLC for a complimentary consultation.

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