Fair Debt Collection Practices Act (this is part of the Consumer Credit Protection Act) provides consumers with protections against unlawful or unethical debt collection practices. Under the FDCPA, debt collectors must follow certain rules about contacting consumers. For example, debt collectors generally have to stop trying to collect a debt that becomes past-due 90 days, and you can ask them to stop contacting you about the debt. Debt collectors may contact you about your debt, but only certain ways and under certain rules. For example, they may contact you in writing, but not by email or cell phone.
Individuals and people that have been victimized by a debt collector can actually receive money as compensation. While these actions may be a violation of the FDCPA, there are attorneys that specialize in these kinds of cases. So if you have been a victim of debt collector harassment, seek the help of a debt collector harassment attorney to understand your rights and protect yourself.
The FDCPA prevents any and all types of collection practices that are considered abusive, deceptive, misleading or dishonest. However, this law alone cannot solve your debt collection problems.
If you are experiencing problems paying your debts or making ends meet, being harassed by creditors or worried about upcoming harassment, or have been getting behind on payments; contact a Sacramento bankruptcy lawyer today. An experienced bankruptcy lawyer can review all of your debt relief options, from debt counseling to bankruptcy; helping you make an informed decision about your debt relief and creditor defense actions.