We Sue Abusive Debt Collectors under the Fair Debt Collection Practices Act “FDCPA”
The Fair Debt Collections Practices Act aka the “FDCPA” is a consumer protection law that protects consumers from abuse, harassment, and deceptive actions from Debt Collectors. However, debt collectors still harass and abuse consumers every single day hoping that you would get annoyed or intimated into making a payment. Fortunately, you can sue the debt collectors for violating your consumer rights under the FDCPA and it doesn’t matter if you owe the debt or not. The debt collectors are counting on the fact that you are unaware or your rights as a debtor and do not know that you are entitled to a Free Texas FDCPA Attorneys when they violate the FDCPA.
Common Debt Collection Violations
- Repeated phone calls in short time frame
- Calling you before 8am and after 9pm.
- Calling your workplace after being told to stop.
- Threatening to sue you or garnish your wages.
- Threatening you with Arrest or Criminal Charges
- Demanding more than what was owed
- Adding interest and fees above the initial debt balance.
- Informed third-parties other than Spouse about your debt.
- Did not send you Notice of you Debt within 5 days of communicating with you.
- They made false statements or misrepresented the law or facts.
- They speak to you using abusive or profane language over the phone.
- They violate your rights in a collection letter
- Making false statements or misrepresentations about the amount you owe, the consequences of not paying, or their authority to collect the debt.
- Failing to identify themselves as debt collectors.
- Falsely implying that they are attorneys or government representatives.
- Threatening to take legal action that they cannot or will not take.
- Failing to validate the debt if you dispute it within 30 days of receiving a written notice of the debt.
Stop the Collection Abuse
As a consumer, it can be frustrating and overwhelming to deal with debt collectors. The constant phone calls, letters, and threats can take a toll on your mental and emotional well-being. However, as a debtor, you have rights under the Fair Debt Collection Practices Act (FDCPA), which protects consumers from abusive and unfair debt collection practices.
The FDCPA was enacted in 1977 to promote fair debt collection practices and protect consumers from debt collector harassment. It applies to debt collectors who work for collection agencies and attorneys who regularly collect debts for others.
If a debt collector violates the FDCPA, you can sue them for damages, including actual damages, statutory damages of up to $1,000, and attorney fees and costs. An attorney can help you bring a successful lawsuit by gathering evidence of the violations and preparing your case.
In addition to monetary damages, a successful FDCPA lawsuit can also result in an injunction that prohibits the debt collector from engaging in further abusive or unfair debt collection practices.
Protect Your Rights under the FDCPA in Texas
If you believe that a debt collector has violated your rights under the FDCPA, it is important to speak with an attorney who has experience in handling FDCPA cases. They can evaluate your case and help you understand your legal rights and options. With the help of an attorney, you can protect yourself from abusive and unfair debt collection practices and hold debt collectors accountable for their actions.
