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Truth, Fairness, Dignity and Respect: That's The Law
Debt collectors must treat you with truth, fairness, dignity, and respect. Period. Debt collectors are regulated by numerous state and federal laws in their debt collection activities. That's where our firm can help. Most people know that debt collectors cannot abuse them on the phone or in writing--what many people don't know is that they have a lot of other legal rights, too. The Fair Debt Collection Practices Act ("FDCPA") lays down the federal law for how debt collectors have to behave when they are collecting from you. This article will briefly outline some of the important consumer rights afforded to you under the FDCPA. Some states also have their own laws which are similar to the FDCPA.
For example, 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 you 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. These are just a few of the numerous protections you have as a consumer. If a debt collector violates your rights, our firm can help. As a consumer, you are afforded a lot of consumer protections against debt collectors, both state and federal. Our firm works for consumers whose rights have been violated under the FDCPA and other consumer protection statutes. If you have been subjected to any collection harassment, please contact our office.