You have a right to compensation
You pay nothing unless I recover money for you, because the debt collector must pay my attorney fees and costs if I prevail.
Under the Fair Debt Collection Practices Act (FDCPA), a federal law that regulates debt collectors, you have a right to compensation from abusive debt collectors who violate the FDCPA. If your case is successful, you are entitled to:
- Up to $1,000;
- Actual damages;
- Attorney fees; and
- Costs.
Common violations by debt collectors
In general, the FDCPA protects consumers against deceptive, unfair, and abusive debt collection. That means a debt collector cannot harass you, cannot abuse you, and cannot lie to you.
The FDCPA has a number of general and specific regulations against debt collectors. Many times, consumers do not realize their rights have been violated until they speak with an attorney. If you think you were mistreated, or something seems not quite right, contact me.
Here are some common violations by debt collectors (this list is not exclusive):
- Calling a consumer’s family members to collect the debt
- Calling the consumer at work after being requested not to
- Calling a consumer’s family members, neighbors, and co-workers
- Threatening a consumer
- Harassing and abusing a consumer over the phone
- Lying to a consumer
- Calling a consumer repeatedly throughout the day
- Leaving misleading voicemails
What you can do right now to help your case
- Take careful notes of all communications;
- Save all voicemails and take screenshots of any phone calls;
- Save any collection letters that you received;
- Use the contact form below for a free case evaluation