The Fair Debt Collections Practices Act (FDCPA) is the federal law created to keep creditors from harassing consumers. The law has very serious repercussions if violated. Debt. collection can come in a variety of forms including harassing and threatening phone calls, deceptive phone calls, sharing debt information with family members, co-workers or other parties and parties. Under this law, you can force an debt collector to leave you alone.
If you feel that you have been a victim of this type of harassment, you should contact a criminal lawyer experienced in fair debt collection laws. Under these laws, you will be able to receive damages and additional statutory damages. The debt collector will also be forced to pay attorney fees as well.
Here are some guidelines to determine whether or not you meet the harassment threshold
Are you receiving persistent phone calls from creditors.
Do you receive calls at inappropriate times? After business hours?
Has the debt collector used profae language?
Have you been threatened with lawsuits and arrest?
Has the debt collector fail to identify themselves?
Did you receive false information from a creditor on your credit report?
Is the debt collector pretending to be from a government agency?
Has the debt collector contacted friends?
Have you received any type of violent threat?
If you have received harassment of any sort, you should seek out a reputable fair debt collection attorney to help. Only they can provide you with the proper tools needed to fight. An attorney will stop the harassment in its tracks.
The Telephone Consumer Protection Act (TCPA) also falls under these federal laws. If you receive unlawful, unethical and/or threatening emails through your cellphone, you may also be entitled to damages. The TCPA prohibits federal call of any type of harassing and unsolicited phone calls.
If you have not granted explicit permission to receive such calls, the consequences for the collector can be extreme. Each violation could cost between $500 and $1,500.
Some of the worst examples of TCPA violations:
Unsolicited auto-dialed calls to live person
Unsolicited robo calls using a prerecorded message or auto voice.
These types of violations cannot be tolerated or unchallenged. Sadly, a number of people aren’t aware of their rights. Consumers wrongly assume that just because the company makes the call, they must be entitled.
Stand up for your rights. If you feel that you have been violated under the fair debt collection, retain an attorney as soon as possible. Morgan Legal Group PC will work hard for you and secure the claim that you deserve so give us a call today.