What is the Fair Debt Collection Practices Act?
Every consumer should know what the Fair Debt Collection Practices Act is and what it protects you from. Here’s a brief explanation:
- What is the Fair Debt Collections Practices Act?
The Fair Debt Collections Practices Act, also known as FDCPA, protects you against debt collectors that use harassment, unfair or deceptive practices to collect the debt you owe, or in some cases, debt you already paid or falsely owe.
- Who qualifies as a debt collector under the FDCPA?
A debt collector includes a collector from a collection agency, collection lawyers or a company that buys delinquent debt and then tries to get debtors to pay (also called junk debt buyers or zombie debt).
- What types of debts are covered by this act?
Most types of personal debts are covered including credit cards, auto loans, medical bills, mortgage and student loans. Basically, any debt that was incurred for person, family or household purposes.
- What does FDCPA protect against?
There are many things a debt collector can not say and doincluding threaten action that cannot legal be taken, call you constantly for purposes of harassment or make false or deceptive claims. The specific violations are too many to list here, so if you are being contact by a debt collector, call us for a free case review.
- Once FDCPA rights have been violated, what can be done?
If you feel that your rights have been violated, call The Law Firm of Mitch Luxenburg’s experienced fair debt collection attorneys toll-free at (877) 846-1209 to find out how we can help you. You can also complete our online for a free FDCPA case review. The debt collector has to pay your legal fees so you’ll be charged nothing for your case, even if you don’t recover anything.