Truth, Fairness, and Respect: That’s the Fair Debt Collection Law

You are entitled to fair debt collection; are you being harassed by debt collectors? Not just called, but called excessively and treated in a way you feel is rude or inappropriate? You probably know that debt collectors cannot abuse you on the phone or in writing, but do you know about your many other legal rights? If you have been subjected to any collection harassment, fight back – call us and get the whole story on your rights and the protections the law affords you.

It’s important to remember that debt collection is a vast, multi-billion-dollar industry engaging in psychological warfare with sophisticated debt collection tactics. Despite the numerous state and federal laws regulating their collection activities, they sometimes “step out of line.”  As a consumer, it is in your best interest to let us help you shield yourself from these aggressive practices and take the necessary steps to exercise your rights.

Fair Debt Collection Practices Act (FDCPA)

The FDCPA regulates debt collectors and spells out how they must handle your account. Of the many protections afforded you by these laws, the four items listed below are prohibited by law. They are critical as part of the consumer rights under the FDCPA and the Kentucky Consumer Protection Act.

  • A debt collector cannot call you at work if they know that it’s inconvenient for you or that your employer prohibits it and you’ve told them that.
  • Debt collectors cannot tell others about your debts, like your family, neighbors, co-workers, or your boss.
  • They cannot threaten to garnish your wages or sue you unless they are attorneys licensed in your state.
  • They cannot get you fired from your job, embarrass you, or humiliate you to get you to pay a debt.

Your Fair Debt Collection Rights

  • You are entitled to file a lawsuit against any debt collector who violates your rights under the FDCPA.
  • The FDCPA allows consumers to cover their actual damages, statutory damages of up to $1,000, as well as their attorney fees and costs.

While these amounts may seem modest, there is much more at stake for debt collectors who violate the law: Increased insurance fees, decreased collection rates, potential governmental regulatory action, and the spiraling costs of defending a lawsuit for their illegal conduct. Any of these can be hugely damaging to their business, and we are the help you need to put this into action for you if the situation warrants it.

If you believe that you are being mistreated by debt collectors, as a consumer, it is in your best interest to let us shield you from aggressive practices and help you exercise your rights under the FDCPA. We zealously represent our clients in FDCPA actions and use our experience, resources, and abilities to protect them against unfair debt collectors’ practices; we file federal and state civil lawsuits against law-breaking debt collectors. Rest assured that we make sure that a collector tells the truth, is respectful to you, ceases communication with you, and instead communicates directly with us.