Our firm works with consumers struggling to regain financial balance. When an individual or family falls behind on paying bills, late notices arrive in the mail and your phone starts to ring — repeatedly. The law protects consumers from unfair debt collection practices. Understanding your right to stop harassment from collectors is important.
The Fair Debt Collection Practices Act (FDCPA) prohibits abusive debt-collection practices, provides a structure for creditors to pursue valid claims and gives consumers the right to receive fair and accurate notice of debt owed by them without threat of harassment.
Being behind on loan and credit card payments is stressful. Being threatened over a debt that may or may not be valid compounds the difficulty. Here are some of the measures prohibited by the FDCPA:
Nothing under the FDCPA invalidates the right of an agency or creditor to collect money rightly owed. Instead, the FDCPA enforces a civilized, fair method of debt collection. If you are being harassed by a creditor in Jacksonville, Florida, seek experienced legal advice. There are legal remedies available to you under the FDCPA.
Attorney Shane Herbert also contributed to this blog post.