FDCPA Protections for Consumers in Debt
About the Fair Debt Collection Practices Act
Since 1977, the people of the United States have enjoyed the powerful legal protections which are provided for in the Fair Debt Collection Practices Act (FDCPA). The U.S. Congress enacted this law with the purpose of safeguarding the public against a number of different harassing and abusive tactics which are common among creditors and debt collection agencies engaged in pursuing payment for bad debt. Not only does the FDCPA prohibit a long list of unscrupulous debt collection practices, but it also provides the victim of creditor harassment – you – with legal recourse so that you can obtain justice and even monetary damages.
The FDCPA list of prohibited behaviors includes attempts to shame you into paying, such as by discussing the debt with your coworkers or neighbors, publishing your name on a list of bad debts, or contacting you with “embarrassing media” such as a postcard with details about the debt. It also includes attempts at coercion or intimidation like making false threats of arrest or legal action, or using profanity and abusive language. It even includes plain and simple harassment such as making the phone ring off the hook or calling you before 8:00 in the morning or after 9:00 in the evening.
Let Us Handle Your Creditors
Another feature of the FDCPA is that as soon as you inform your creditors or debt collectors of the fact that you have hired an Ocala bankruptcy attorney to represent you in debt settlement or bankruptcy, they can no longer continue to contact you. Instead, they will have to direct any inquiries to us at The Law Offices of Justin McMurray, P.A. If you believe that you have been subjected to a violation of any of the terms of the Fair Debt Collection Practices Act, contact us for a free consultation to discuss your experiences and learn whether you have grounds to sue. You could stand to receive at least $1,000 in monetary damages plus attorney’s fees, making it possible for you to obtain compensation and the justice you deserve.