Fair Debt Collection Practices Act (FDCPA)
Legal Advocacy from a Buffalo Bankruptcy Attorney
Do you need legal protection from a creditor or a debt collection agency?
The Fair Debt Collection Practices Act (FDCPA) was established to protect
debtors as they seek a debt relief solution. If you have fallen behind
on your debt, creditors will try to take any measure possible to seek
payment from you. Their actions, however, are governed by the FDCPA. If
you are experiencing an issue involving a financial issue, our firm can
protect your rights.
Discuss your case with our bankruptcy attorney.
Restrictions of Creditors
Creditors are restricted by constraints regarding how they can and cannot
interact with debtors to collect payments.
The FDCPA prohibits specific acts when it comes to collecting debts, including:
- Contacting consumers outside the hours of 8:00 am and 9:00 pm.
- Communicating with the debtor in any way after receiving written notice to stop
- Continuous phone calls
- Misrepresentation or deceit
- Publishing the consumer's name or address
- Threatening arrest or legal action
- Abusive or profane language
In addition, the act requires debt collectors to take certain actions when
pursuing the collection of debts, including identifying themselves and
notifying the consumer. With the many laws and regulations set forth in
the FDCPA, you may not be aware that your creditor's actions have
been in violation of the law. With the help of an experienced and knowledgeable
bankruptcy attorney in Buffalo, you can hold the creditor accountable for any violations
of the law. We can deal with the creditors on your behalf to make sure
that you are being treated properly according to the FDCPA.
Since 2004, our firm has been providing quality service to our clients.
Contact our bankruptcy lawyer in Buffalo if your creditor is in violation of this act. Call us at (716) 259-1030.