Fair Debt Collection Practices Act
Legal Protection from Debt Collection Harassment
Economic times are undoubtedly tough and many people are within the jaws of unmanageable debt. What once seemed to be manageable loans and liabilities are now made impossible by unemployment, insufficient savings, an unexpected medical problem, or other financial hardships. Yet nobody is deserving of unethical or abusive behavior on the part of those attempting to collect on a debt. You have strong protections under the law that prevent this sort of behavior, and a Glendale bankruptcy lawyer can provide aggressive counsel to bring abuse to an end.
Passed by Congress in 1977, the Fair Debt Collection Practices Act (FDCPA) is intended to eliminate abusive creditor harassment and to promote fair consumer credit collections. It provides for a consumer's rights to dispute debts and lays out penalties for collectors who break the law.
When attempting to collect a debt, creditors must always:
- Clearly identify themselves
- Provide name and address of the original creditor
- Verify a debt in writing
- Notify a person of their rights to dispute a debt
- Follow proper legal procedure if filing a lawsuit
They are forbidden to engage in such behavior as contacting you by postcard, calling you outside of certain hours, using profane or deceitful language, continuing to contact you once you have provided a written request for an end to communication, to publish your name and address, or to report false data to credit bureaus. You may even be eligible to receive monetary damages if a collector has violated the FDCPA, causing you undue distress or suffering.
Knowledgeable Help from Our Glendale Bankruptcy Attorney
If you are being harassed by creditors, you can feel extremely anxious and unprotected. The team at RJB Law Offices can provide much-needed legal counsel in these difficult times and can provide hope for relief and a brighter future. Options such as bankruptcy are a beginning, not an end. Our attorneys are not only well-versed, capable and knowledgeable from a legal standpoint, but also are empathetic and caring about your needs.
Contact a Glendalebankruptcy attorney today for legal counsel you can trust!