Fair Debt Collection Practices Act
Are you being mistreated by creditors?
Do creditors call you at all hours? Are you being constantly and relentlessly harassed by creditors at work and at home? The Fair Debt Collection Practices Act (FDCPA) was established in 1978 in order to protect the rights of debtors. The main purpose of the FDCPA is to keep creditors and collection agencies in line when it comes to seeking payment so that debtors are treated fairly, can maintain their privacy and their rights are not violated in the debt collection process.
Take Legal Action Against the Creditors Who Have Wronged You
Abusive debt collection practices were growing to be an eminent problem according to 15 U.S. Code §1692 and the methods that were being employed by creditors were dishonest and unfair. Aside from that, the laws that were in place to protect the rights of debtors and consumers were insufficient in light of the growing problem. That is why this statute gives consumers the right to take legal action against creditors who violate their rights. In some cases debtors are even eligible to seek compensation for any hardships that the creditors and collections agencies may have caused them.
If you have had to suffer unfair treatment from a creditor or an agency, then be sure to speak with an Orlando debt relief attorney now. We can help you pursue legal actions against the party who wronged you and seek out compensation on your behalf.
Contact our Orlando office today at (407) 378-5488 to schedule a free consultation and find out how we can help you get your life back.
What are some unfair debt collection practices?
There are strict guidelines that creditors and collection agencies must follow when seeking to obtain payment. For Example, in light of the FDCPA, creditors are only allowed to contact you during certain hours of day between 8am and 9pm and they should not contact you at work if you informed them that you cannot receive calls during that time.
According to the guidelines, creditors are also prohibited from doing any of the following:
- Making violent threats
- Using curse words or profanity when speaking with debtors
- Calling repeatedly just to annoy the creditor
- Make a false claim that they are anyone except a creditor or debt collector
- Accuse the debtor of committing a crime
- Claim to work for a credit reporting company or pretend to be someone they are not
- Claim that you owe less or more than you actually do
- Claim that they have sent you legal papers if they have are not (or vice versa)
- Threaten to arrest you if you do not make a payment
- Threaten to repossess your property or garnish your wages if a payment is not made
- Threaten to take legal action against you that they won't or legally can't do
- Ask for addition payment for interest for other types of fees unless they those charges are stated in the contract or permitted by state law
- Contact you via postcard
Our Orlando Debt Relief Lawyers Are Ready to Help You
Here at the Law Offices of Joseph J. Mancuso, P.A. we assist debtors from all walks of life in suing creditors who have violated the law. If you believe that a creditor or collection agency has violated the terms and conditions of the Fair Debt Collection Practices Act, then we can help you take legal action against them and put an end to the harassment. Our Orlando debt relief attorneys are reliable and experienced in these types of cases and we are standing by to review your case for free.
Contact our office today to request a free case evaluation and find out if you have grounds to take legal action against a creditor.
What Sets Us Apart?
Our team of skilled and understanding professionals proudly provides comprehensive and efficient services for all Clients.
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Almost 100 Years of ExperienceOur firm brings nearly a century of collective legal experience, ensuring you receive trusted, expert guidance throughout your case.
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Financing Options AvailableWe understand financial stress and offer flexible payment options to ensure legal help is accessible without added burden.
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24/7 Availability to ClientsWe're always here when you need us, providing round-the-clock support so that you never feel alone during the process.
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Free Initial ConsultationWe offer a no-cost, no-obligation consultation to help you explore your legal options and take the first step toward financial relief.