The Fair Debt Collection Practices Act covers letters to an attorney and not only to the consumer. This is not commonly understood, yet it can add dollars to your ultimate recovery. The Supreme Court’s benchmark decision, which ruled that attorneys are subject to the FDCPA, was itself based upon a lawyer-to-lawyer settlement demand for a false insurance obligation as part of a …
The consumer may bring a lawsuit against the debt collector in state court. In the lawsuit, you must prove that the debt collector violated the FDC...
Small claims courts may be a better option for consumers who do not want to hire an attorney or spend the time required for a full-blown state cour...
The Federal Trade Commission (FTC) is charged with overseeing debt collector actions and ensuring that the FDCPA is not violated. Consumers can con...
In addition to violating the FDCPA, the debt collector may also be violating state laws. The consumer may want to contact the state Attorney Genera...
If you are trying to settle debt and the collector violates the FDCPA, you can use the violation as leverage to settle the debt. This often works b...
In addition to violating the FDCPA, the debt collector might also be violating state laws. You might want to contact the state Attorney General's office to receive guidance on a possible FDCPA lawsuit and for any possible state law actions against the debt collector. Many of these offices also receive complaints against debt collectors—if it gets ...
If you are trying to settle debt and the collector violates the FDCPA , you can use the violation as leverage to settle the debt. This tactic often works because collectors know that an FDCPA lawsuit can be costly to defend and may result in a judgment against them.
You may bring a lawsuit against the debt collector in state court. In the lawsuit, you must prove that the debt collector violated the FDCPA. If successful, you might be able to collect $1,000 in statutory damages, and possibly more if you suffered harm from the violations.
§ 1692k (d)). In the case of Rotkiske v. Klemm, 589 U.S. ___ (2019), the U.S. Supreme Court clarified that the one-year statute of limitations for an FDCPA violation begins to run when the alleged violation occurs, not when the offense is discovered, absent the application of an equitable doctrine.
The federal Fair Debt Collection Practices Act (FDCPA) offers consumers protection against overly aggressive debt collection actions by debt collectors and debt collection agencies. If a bill collector has violated federal law in its dealings with you, there are steps you can take depending on your goal.
Small claims courts allow individuals to argue their case without an attorney and through an expedited process. These courts typically offer the consumer one shortened hearing in order to argue the case to a judge. Usually, you file a simple court document to start the case.
The FDCPA is a federal law that protects debtors by preventing collectors from engaging in unfair activities while trying to collect money. The FDCPA also imposes certain responsibilities on debt collectors so that debtors know who they are and what debt they’re trying to collect.
Nobody should have to deal with a debt collector who is violating the FDCPA. Unfortunately, it does happen. If you believe a debt collector is violating the law, there are some steps you can take to protect yourself.
If you win a lawsuit against a debt collector for violating the FDCPA, the collector could be required to pay actual damages, which is the amount of money you’ve lost.
This person could be your friend, a neighbor, your son or daughter, and/or anyone other than your spouse (who they actually can disclose the debt to) who is not responsible for the alleged debt. If a debt collector makes an improper disclosure (s), it is violating your rights.
Debt collectors cannot call you at times they know are inconvenient (or should know are inconvenient), such as before 8 a.m. or after 9 p.m., unless you specifically agree to it.
In the first communication with you, the debt collector has to tell you that it is a debt collector, attempting to collect on a debt, and that any information obtained will be used for that purpose. These required statements are known as the “Mini-Miranda” throughout the industry. In all communications with you, a debt collector has to tell you that it is a debt collector. If the debt collector does not do so, the debt collector may be violating your rights.
One of the biggest violations committed by debt collectors is using obscene or threatening language when communicating with the debtor. Under the FDCPA, debt collectors are expressly prohibited from making threats, using aggressive language or any other type of harassing behavior when communicating about a debt.
The FDCPA gives rules that third-party debt collectors have to follow when it comes to collecting debts. Certain behaviors are explicitly prohibited under the FDCPA, and if a debt collector does one or more of these prohibited behaviors, a violation of the FDCPA can be filed against the debt collector. However, what are the most common of these ...
The Fair Debt Collections Practices Act (FDCPA) protects debtors from unfair and unethical debt collection practices of third-party debt collectors. It is part of a larger law, the Consumer Credit Protection Act, enacted in 1977.
A debt collector may contact a third party for the sole purpose of locating the debtor. However, they may not contact a third party requesting any other information. Further, they cannot repeatedly contact these third-parties to the point where the communication turns into harassment.
Once the debt collector contacts the debtor and informs him or her that a debt is owed, the debtor has the right to validate or dispute the debt. The collections company is not allowed to keep pursuing collections until after the debt has been either validated or disputed.
However, the FDCPA prohibits debt collectors from making excessive phone calls when trying to get a hold of the debtor. The question arises when making the determination on what is reasonable and what is excessive.
Both the FCCPA and the FDCPA aim to prevent illegal and abusive debt collection activities. The state of Florida's FCCPA is broader because the statute's language says it applies to any person attempting to collect a consumer debt.
What does any of that mean to you? Well, it's a distinction with a very important legal difference but, by and large, the concepts are similar.
Do you think you’ve been a victim of one (or multiple) of these violations? If so, you are entitled to fight these abusive practices!