Debt Collection Laws

The Fair Debt Collection Practices Act (FDCPA) is the most extensive and far-reaching of all debt collection laws passed in our country.  The FDCPA is a Federal law which covers collection agencies, debt collection lawyers and second-hand debt buyers in all 50 states.  It is a wide-ranging statute which prohibits improper communication with third parties, harassment or abuse in debt collection, and using unfair methods to collect a debt.  But to narrow it down to just those categories is just skimming the surface.  There are many specific acts that are prohibited by the FDCPA and many legal disclosures that debt collectors are required to make to consumers.

Many states have also passed their own debt collection laws that cover not only debt collectors but also employees of the original creditor collecting the creditor’s own debt.  North Carolina, South Carolina, California, Maryland, West Virginia and Michigan all have their own state debt collection laws, just to name a few.  Other states have passed them as well.

If you are being harassed by a collector, chances are one of these debt collection laws can help.  Under the FDCPA, if you are represented by an attorney, the debt collector must stop all contact with you.  That means no more frustrating calls from the collector day after day.  You can also be entitled to up to $1000 in damages for violations of the FDCPA, plus the debt collector has to pay your attorney fees.  Because of this “fee-shifting” provision, if you qualify, we can offer our services at no cost to you.

To find out if we can help you, fill out our form for a free attorney case review, or call us at (877) 861-3756 to speak with an attorney now.  Our review of your situation is always at no cost to you.