What is the Fair Debt Collections Practices Act?

The Fair Debt Collection Practices Act (FDCPA) was enacted by the federal government over 30 years ago. It offers consumers protection against illegal and unfair practices of debt collection agencies.

What rights do I have?

Even if you are experiencing financial difficulties that have hindered your ability to pay bills on time, there are certain rights that you have as a consumer. The FDCPA gives the consumer the right to sue a debt collector if they:

— threaten or harass you;
— call you before 8:00 AM or after 9:00 PM;
— make false statements or misrepresent themselves in order to collect a debt;
— threaten to contact friends or relatives to collect a debt;
— contact third parties (relatives, employers, co-workers, friends) and reveal information about your debts;
— threaten to bring criminal charges against you or threaten you with jail if you do not pay;
— continue collection efforts even after you have advised them to stop and;
— report information they know is inaccurate to a credit bureau.

I’m being harassed by a creditor. What can I do?

We know the complexities of the Fair Debt Collections and Practices Act. Monetary damages can be awarded to a harassed debtor. Damages can also be awarded due to financial loss created when a person’s credit score has been wrongly affected. Usually a person worried about making their bill payments is totally unaware of their legal rights. Debt collectors know this, and count on you to be too embarrassed to fight back. We can help you.

How do I start the process?

The first step you must take as you pursue an FDCPA claim is to hire an experienced attorney. Merritt Law Office in Lakeland, Florida will help you. If you feel you are being unfairly harassed by a creditor, be sure to keep detailed notes about all communication: the times called, the person you spoke to, the details of the call, and any paperwork received.

Whether you are being harassed by a debt collector, receiving threatening letters or voice messages, or facing any other issue with an unscrupulous debt collector, contact your lawyer at Merritt Law Office right away.