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What is the FDCPA?

Are you being harassed? We can Help!

If you are struggling under a large amount of debt, you may think you have to put up with the harassing phone calls and letters from creditors. Just because you owe them money does not mean that they have the right to treat you in a degrading and humiliating manner. In fact, it is against the law. In 1978, Congress passed the Fair Debt Collection Practices Act (FDCPA), which prohibited debt collectors from using inappropriate and harassing methods to collect debts. If you feel a debt collector is abusing you, contact our legal team to find out how you can put an end to it.

The FDCPA protects consumers from being threatened and harassed by debt collectors. If a debt collector is calling you at home or at work and is making you feel unsafe or threatened, you have the right to put an end to it. Some of the practices that are prohibited under the FDCPA include the following:

  • Contacting debtors at odd/inconvenient hours (traditionally described as before 8 am and after 9 pm)
  • Using profane or abusive language when speaking with debtors
  • Contacting debtors at their place of work, after the debtor's employer has expressly asked for this not to occur
  • Threatening debtors with lawsuits, if no such suit is actually intended
  • Telling debtors that they have committed a crime, or threatening them with arrest/jail time
  • Contacting the debtor's friends or family to discuss their debt
  • Impersonating law enforcement officers in order to collect a debt

There are many options if you are being harassed by debt collectors. If you have requested in writing that a debt collector stop calling you at work, they have to stop, and you may have legal recourse against them if they do not. Contact an attorney from our firm today to find out what options you have available.

Assertive Advocacy on Your Behalf!

At Price Law Group, we have helped over 100,000 clients over the years with their financial and legal issues. Besides being protected under the FDCPA, you may want to consider how you will pay off your debts altogether to avoid future contact from debt collectors. We have over 20 years of experience helping clients file for bankruptcy, and we stick with our clients every step of the way. From filing your claim, through bankruptcy court, all the way to credit repair and making sure that the courts have properly discharged your debt, our attorneys will be there for you to answer any questions, and to make sure your bankruptcy case runs as smoothly as possible.

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