Understanding the FDCPA

Are you considering bankruptcy? If so, then you will be relieved to hear about the federal Fair Debt Collection Practices Act which prevents collectors from calling you in an aggressive manner.

However, this act only covers debt collectors who work for collection agencies, not those employed by the original creditor. This can be a great relief to many who are hounded by collection agencies attempting to get money from you. If you are successful in filing for bankruptcy then you are protected by this act which makes it illegal for collectors to contact you while you are in bankruptcy protection.

This means that collectors cannot claim to be attorneys if they are not, claim that you owe more than you do, use profane language, place telephone calls without identifying themselves as collectors, call you repeatedly or add unauthorized interest or fees.

Don't let debt collectors get you down,contact our legal team to get the help and protection you need from a Chicago bankruptcy lawyer.  We can tell you more about your debt relief options.