Fair Debt Collection Practices Act
Debt collectors and collection agencies are regulated by the Fair Debt Collection Practices Act (FDCPA). Although the FDCPA is very clear about what a collector can and cannot do when trying to collect a debt, debt collectors more often than not violate the requirements of the law. Very frequently, debt collectors threaten lawsuits, wage garnishments, and even imprisonment. They may call at all hours of the day, and may call your friends, family, and place of work. However, this kind of collection activity is unlawful.
Fortunately, the FDCPA allows you to defend your consumer rights against this kind of conduct. So long as a violation can be shown to have occurred, the collector may be ordered to pay you damages, as well as reasonable attorney’s fees. This means that there will be no upfront costs to you in bringing suit against the collection agency that has violated your rights.
At Paradigm Law, P.L.C., we want to make sure that your legal rights are protected. And if a debt collector or collection agency is violating those rights, we will be more than happy to discuss your options, answer all of your questions, and take on your case.