Debt Harassment
Dont' be a victim!
The Fair Debt Collection Practices Act (FDCPA) was passed by the U.S. Congress in 1978 to eliminate debt harassment in the collection of consumer debt. During hearings, Congress found evidence of abusive, deceptive and unfair debt collection by many debt collectors. They further found evidence that these unjust practices lead to marital instability, loss of employment and the invasion of personal privacy.
However, the FDCPA does not cover all collection actions. A creditor that is attempting to collect on its own overdue accounts is not subject to the rulings of the FDCPA. The law defines a debt collector as someone who is in the business of collecting debts, which does not apply to a retail store or credit card company, for example. In-house collections are covered by the FDCPA if they knowingly give the impression that they are a debt collection agency. Even if a bill collector is not covered by the FDCPA, they may still be subject to enforcement by other provisions under the Fair Trade Commission Act (FTCA).
Over half of the states have laws that govern the actions of bill collectors and are meant to stop or curtail debt harassment (often misspelled as harassment). Some state laws even provide additional protection not found in the federal guidelines. When you contact an attorney from FairDebtHelpers.com, your lawyer will be an expert in debt collection statutes in the state where you live. Our attorneys have expertise in the FDCPA and have proven track records in helping consumers just like you. Don’t be coerced into paying bills that you do not owe just to get the bill collector to cease their abusive behavior.
Please fill out the free FDCPA Case Analysis today. It will help you to recognize if your collectors have violated the law. After you submit the analysis, a Legal Helpers FDCPA attorney will review your case and get in touch with you promptly. Don't wait. The sooner you contact us, the sooner we can stop those abusive calls!
Don't fall victim to these illegal schemes!
Forewarned is forearmed. If you have been contacted by bill collectors recently, complete our online form and speak to an experienced Legal Helpers attorney to find out if your collectors have violated the law.