New Jersey Office One University Plaza Suite 620 Hackensack, NJ 07601 New York Office 680 Central Ave Suite 110 Cedarhurst, NY 11516. Get your 100% free debt relief consultation Have you been harassed or attacked by debt collectors? You have options and you may be able to get compensation for the damages they caused. Contact Luftman, Heck & Associates online or at (88) 726-3181 to get started. The only way to properly eliminate debt is to work with a dedicated legal professional. Contact LHA for a 100% free individual consultation with a Columbus debt attorney.
We'll review your finances, what you owe, and present opportunities to help you catch your breath. Do you get contacted repeatedly about debts you canceled, canceled in bankruptcy, or never should have paid in the first place? If so, the debt collector is breaking the law, as described in the Fair Debt Collection Practices Act (FDCPA). The most common violation of the FDCPA is when a debt collector attempts to collect a debt that had already been canceled in a previous bankruptcy case. Understanding the impact of FDCPA violations allows debtors to assert their rights, seek legal assistance and seek appropriate remedies to protect themselves from unfair debt collection practices and misleading. Because you still owe the debt, the FDCPA does not prohibit debt collectors from trying to collect a debt that has been prescribed or that has passed the statute of limitations for the debt in your state.
The Fair Debt Collection Practices Act (FDCPA) was designed to protect consumers from the abusive, deceptive, or unfair tactics of debt collection agencies. Each year, the FTC submits a report to Congress on the types of FDCPA violations that consumers have filed against creditors, as well as the methods the agency has used to enforce the law. The FDCPA is a federal law that protects debtors by preventing third-party debt collectors from engaging in acts of harassment or disloyalty when trying to collect money. In addition to facing civil liability in private rights of action litigation, companies and other organizations that violate the FDCPA may also face administrative or civil penalties in the event of federal enforcement actions.
By prioritizing compliance with the FDCPA, organizations can not only prevent involuntary violations of the law, but they can also position themselves in a strong position to defend themselves against accusations of breaking the law and carrying out unfair debt collection practices, if necessary. With this information, you'll learn about the most common FDCPA violations and how the law protects you. The FDCPA complements the Consumer Credit Protection Act (CCPA) and the Fair Credit Reporting Act (FCRA), which also establish important federal compliance obligations for businesses and other organizations that collect debts from consumers. If you believe that a collection agency is violating your rights under the FDCPA, you have the right to see justice done.
If a debt collector violates the FDCPA, they can sue you with the help of an attorney who specializes in debt collection abuse cases, and he will be responsible for your legal fees. While complying with the FDCPA is fairly straightforward in many cases, debt collectors and other organizations can easily commit violations if they're not careful. If a debt collector threatens to sue you for a debt you have barred, you are likely committing a violation of the FDCPA. The Federal Trade Commission (FTC) monitors and regulates violations of the Fair Debt Collection Practices Act (FDCPA), which is a law intended to protect consumers from potentially abusive and harassing behavior by creditors to collect a debt.
