Phoenix Bankruptcy Attorney: Fair Debt Collection Practices Act

Creditor Abuse and Your RightsFair Debt Collection Practices Act

What the Fair Debt Collection Practices Act (FDCPA) does is disable debt collectors from being able to use unfair or deceptive practices when collecting debt. It was written to protect consumers from abusive treatment from debt collectors. When the act is violated, you have one year from that date to bring a suit to court against the debt collector. If you do not do so within the one year period, the statute of limitations has passed, and you will not be able to take it to court and sue.

Searching for a lawyer for creditor abuse in Phoenix? An experienced and compassionate Phoenix bankruptcy attorney may be able to assist you if you have been the victim of harassment, or have been otherwise treated abusively by a debt collector. We can protect your rights and may be able to assist you in recovering monetary compensation for damages, court costs, attorney fees, and any other damages that may have been incurred.

What can’t debt collectors do?

There are certain things that the Fair Debt Collection Practices Act prevents. It encompasses debts for medical bills, mortgages, auto loans, and credit cards. It does not include any business debts. Harassment is barred by the FDCPA, as well as making false statements such as:

  • Asserting that you are guilty of committing a crime
  • Threatening legal action against you if they do not plan on taking such action
  • Making assertions about selling your home or property
  • Being dishonest about what exactly you owe
  • Threatening that you will be arrested if you do not pay what you owe
  • Asserting they work for the government or are lawyers

Such behavior is prohibited and something can be done about it, if you have received this kind of treatment.

Contact a Phoenix bankruptcy attorney for an informative consultation on how our firm can help you.