Spending sleepless nights over the harassment from debt collectors can be dreadful
. This can be avoided if you know your rights about the unfair debt collection. The Federal Debt Collection Practices Act (FDCPA) was formed in 1970 to protect consumers from unfair means of debt collection. Engaging an FDCPA Attorney who is well versed with the rules can help you fight against the bad collection guys.
A debt collector may not call you repeatedly, or at inconvenient times or at work place. He needs to identify himself or his agency and should not contact anyone else seeking information about you. If you are represented by an FDCPA attorney, the collector needs to contact the attorney. Once you send the debt collector a cease and desist notice he cannot contact you. It is tantamount to harassment if the collector abuses you or uses improper language. The debt collector cannot threaten you with dire consequences like garnishment of wages, imprisonment or attempt to collect more money than owed.
All the above are violations of the FDCPA act and the violator can be sued under the act. Quite often you may be harassed for a debt that you have already paid, or a non existent debt, or a case of your debt being sold to third party credit agency. An FDCPA Attorney will examine your case and will advise you on further action.
An FDCPA attorney can evaluate your case and file for a complaint, sue the debt collector and may also sue for damages. The debt collectors violations attract compensation should you win the case. The judge may impose the collector to pay you for the illegal collection practices, or compensate for the medical bills accrued on medical conditions suffered due to his harassment.
You no longer have to be disturbed or be in awe of calls once you contact an FDCPA attorney and engage him to handle your case.