It may be stressful dealing with debt and bill collectors. But did you know a federal law exists to protect you from unlawful debt and bill collector conduct?
The Fair Debt Collection Practices Act (FDCPA) was enacted in 1977 to protect consumers from abusive debt collection practices and to help protect consumers’ privacy. The FDCPA prohibits certain types of unfair debt collection practices, such as communicating with third parties about your debt.
If you received a DEBT COLLECTION LETTER, submit your case information today – Shamis & Gentile, P.A. will work to stop the harassment and work out a settlement that is fair for you!
If so, your privacy rights may have been violated, and you may be entitled to compensation.
Many debt and bill collectors send letters to consumers demanding payment. But sometimes these companies don’t print and send the letters themselves. Instead, they may send private information about consumers’ debts to other companies, who then put together letters to mail. This means private, personal information — information some may find sensitive or embarrassing — is given to people who shouldn’t be seeing it.
The FDCPA was enacted, in part, to prevent companies from invading people’s privacy and engaging in unfair collection activities. Consumers whose rights under the FDCPA are violated may be able to collect up to $1,000, even without any out-of-pocket losses.
If you received a collection letter from a debt or bill collector in the past year, you may have a claim against that company for violating the FDCPA.
The FDCPA prohibits debt or bill collectors from doing the following:
In the event of an FDCPA violation, a consumer may sue for up to $1,000 and recover actual monetary loss.
No, but this is often used as a scare tactic. Under the FDCPA, a debt collector cannot threaten to sue you or have you arrested.
The FDCPA was enacted, in part, to prevent companies from invading people’s privacy and engaging in unfair collection activities. Consumers whose rights under the FDCPA are violated may be able to collect up to $1,000, even without any out-of-pocket losses. You have the right under the FDCPA to issue a cease and desist letter to a debt collector who violates any of the rules under the law or who harasses you, i.e. contact you repeatedly within a short period. If the harassment continues, you can make a report to the Consumer Financial Protection Bureau (CFPB). A legal attorney or representative can easily do this for you within a short period.
You have the legal right to certain information from a debtor. This includes: