Fair Debt Collections Practices Act

Creditor Harassment Lawyer

The Fair Debt Collections Practices Act or FDCPA is an act passed by Congress that protects you, the debtor. The debtor is the person who owes the money to the creditor or collection agency. The FDCPA in summary ensures that you are treated fairly, with decency and still have rights even when in debt. It provides for your safety when dealing with creditors. If you feel that you have been the subject of harassment, unfair conduct or any treatment that is threatening, you need to speak to a bankruptcy attorney immediately.

Specifications of the FDCPA

The Fair Debt Collections Practices Act is extensive. The provisions the act lays out for the debtor were written to protect you, the consumer. It is important that you understand your rights with regard to debt collection. Under this act, no collector may harass, threaten, carry out unfair collection methods or give any false or misleading statements to you. This act also ensures that you are paying only your debt rather than having to re-pay debt you have already paid off. The collectors are now forced to send you a full report of the amount of your debt, the name of your creditor and other documentation. If these things haven't occurred or you feel there is a violation of the FDCPA, it's important to reach an attorney from our legal team at once.

At Bizar & Doyle, we are prepared to answer any question you may have regarding this act and even help you against the unlawful practices of collecting debt. It is important that you understand and know your rights when in debt. You don't have to be the victim of threats or misconduct from collectors. We can help you take legal action against collection agencies that have violated this act and even receive money for their misconduct.

Contact a bankruptcy lawyer from our firm if you have experienced any violations of the FDCPA or are considering taking legal action against collection agencies due to their illegal methods of collecting.