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Know Your Rights: Protections Under the FDCPA
Dealing with debt can be overwhelming, but it’s important to know that you have rights regarding how debt collectors interact with you. The Fair Debt Collection Practices Act (FDCPA) is a federal law designed to protect consumers from abusive, unfair, and deceptive practices by debt collectors.Here’s how your rights can be violated and the protections you have under the FDCPA:
Common Violations by Debt Collectors
There are rules that govern what creditors and bill collectors can do when collecting a debt. If a creditor or bill collector breaks any of these rules, they have to pay damages to the consumer and pay for the consumer’s attorney. Even if you actually owe the debt, a creditor or debt collector who breaks the rules has to pay damages to the consumer.
At Jackie J Consulting, we have helped many consumers advocate their rights against debt collection harassment. If you think you might be a victim of debt collection harassment, contact us for a free violation review.
Important: Creditors and debt collectors CANNOT contact you via phone, text or email before 8:00 AM or after 9:00 PM your local time.
You Are Not Alone
If you’ve been dealing with a debt collector that is harassing you to collect debt you may feel scared, hopeless, and unsure of what you can do to put an end to the maltreatment.
When a debt collector calls you at work, makes phone calls to your family members, verbally insults you or threatens to take certain types of legal action against you, it’s time to consult with an advocacy team whom has your best interest in mind.
At Jackie J Consulting, we advocate for you when you are too frightened to deal with creditors on your own.
Let Us Help
If you’ve been a victim of illegal debt collection practices, you do not have to suffer alone. We help put unruly debt collectors in their place.
But Isn’t an Attorney Expensive?
Some attorneys are, but our legal team takes debt collection harassment cases on fee shifting basis. That means that there is no money out of pocket from you. They don’t get paid unless you get paid. The law is very clear – a creditor or debt collector who breaks the law has to pay damages to the consumer and pay the consumer’s attorney. Whether your case takes 10 hours or a hundred hours, they keep track of the time, and send the bill to the bad guys.
Don’t Be a Victim of Collection Harassment
We End Collection Harassment
There are rules that govern what creditors and bill collectors can do when collecting a debt. If a creditor or bill collector breaks any of these rules, they have to pay damages to the consumer and pay for the consumer’s attorney. Even if you actually owe the debt, a creditor or debt collector who breaks the rules has to pay damages to the consumer.
At Jackie J Consulting, we have helped many consumers advocate their rights against debt collection harassment. If you think you might be a victim of debt collection harassment, contact us for a free violation review.
We Stop the Collection Calls
Collection calls aren’t just annoying. They can be scary too. One of the most important rules is that no one can call you to collect a debt if they know you are represented by an attorney. It’s just that simple. As long as you are represented by an attorney, a bank or bill collector can NOT contact you directly to collect the debt. Even if you owe the money, a bill collector who contacts you after learning you are represented by a lawyer is breaking the law and has to pay you damages.
In addition, creditors and debt collector CANNOT call you on the phone before 8:00 AM or after 9:00 PM your local time. They cannot call you at work once you have told them not to, and they cannot call you with such frequency that it annoys you.
Chances are that if you feel annoyed or harassed by a debt collector, they are probably breaking the law. Speak with one of consumer law advocates to get our opinion for free. We will be able to identify what, if any, laws have been broken and how to handle calls in the future. We will tell you if you potentially have a case, and if you do, we will forward your file to a consumer law attorney.
But Isn’t an Attorney Expensive?
Some attorneys are, but our legal team takes debt collection harassment cases on fee shifting basis. That means that there is no money out of pocket from you. They don’t get paid unless you get paid. The law is very clear – a creditor or debt collector who breaks the law has to pay damages to the consumer and pay the consumer’s attorney. Whether your case takes 10 hours or a hundred hours, they keep track of the time, and send the bill to the bad guys.
Common Violations of Debt Collectors
Debt Collectors CANNOT:
Lie to you
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Claim you owe more than you actually owe
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Claim they are from a different company
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Refuse to give you their name
Threaten you, including
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Threats to send the sheriff to your house
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Threats to garnish your wages
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Threats to freeze or place a levy on your bank account
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Threats to sue you
Pretend to be anyone they are not
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Pretend to be the police or a private investigator
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Pretend to be a mediator or other court official
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Pretend a court case has been or will be filed against you
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Pretend you don’t have rights
Act rude or discourteous in general
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Intentionally annoy or harass you
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Tell other people about your debt
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Use profanity
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Call you names
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Call at inconvenient times
This is just a small example of the things that debt collectors and creditors are not allowed to do when collecting a debt. The full list is in the text of the laws that regulate collection harassment – the Fair Debt Collection Practices Act (FDCPA). The best way to know whether you have a case is to contact us for a free violation review.
You Are Not Alone
If you’ve been dealing with a debt collector that is harassing you to collect debt you may feel scared, hopeless, and unsure of what you can do to put an end to the maltreatment.
When a debt collector calls you at work, makes phone calls to your family members, verbally insults you or threatens to take certain types of legal action against you, it’s time to consult with an advocacy team whom has your best interest in mind.
At Jackie J Consulting, we advocate for you when you are too frightened to deal with creditors on your own.
Let Us Help
If you’ve been a victim of illegal debt collection practices, you do not have to suffer alone. We help put unruly debt collectors in their place.