What is the FDCPA?

The Fair Debt Collection Practices Act (FDCPA) is a federal law that limits the behavior and actions of third-party debt collectors who are attempting to collect debts on behalf of another person or entity.

Legal Advocacy from a Buffalo Bankruptcy Attorney

Do you need legal protection from a creditor or a debt collection agency? The Fair Debt Collection Practices Act (FDCPA) was established to protect debtors as they seek a debt relief solution. If you have fallen behind on your debt, creditors will try to take any measure possible to seek payment from you. Their actions, however, are governed by the FDCPA. If you are experiencing an issue involving a financial issue, our firm can protect your rights. Discuss your case with our bankruptcy attorney.

Restrictions of Creditors

Creditors are restricted by constraints regarding how they can and cannot interact with debtors to collect payments

The FDCPA prohibits specific acts when it comes to collecting debts, including:
  • Contacting consumers outside the hours of 8:00 am and 9:00 pm.
  • Communicating with the debtor in any way after receiving written notice to stop
  • Continuous phone calls
  • Misrepresentation or deceit
  • Publishing the consumer's name or address
  • Threatening arrest or legal action
  • Abusive or profane language

the fair debt collection practices act

In addition, the act requires debt collectors to take certain actions when pursuing the collection of debts, including identifying themselves and notifying the consumer. With the many laws and regulations set forth in the FDCPA, you may not be aware that your creditor's actions have been in violation of the law. With the help of an experienced and knowledgeable bankruptcy attorney in Buffalo, you can hold the creditor accountable for any violations of the law. We can deal with the creditors on your behalf to make sure that you are being treated properly according to the FDCPA.

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