It is not unusual for people who have fallen behind in paying their bills to have trouble with collection agencies. While collection agencies have a significant amount of flexibility when it comes to collecting debts, the law sets some limits on their conduct. The Fair Debt Collection Practices Act is a federal law which regulates the conduct of bill collectors / creditors.
If you are overwhelmed by your debts and behind on your payments, you probably already know how aggressive creditors can be when it comes to collection actions. Often, debt collectors are engaging in illegal harassing behavior. In this situation, it is important that you understand your rights as a debtor.
At Lozano Law Offices, we have thorough knowledge of the Fair Debt Collection Practices Act. We discuss with our clients their right and protection from unscrupulous actions of rude, abusive, and deceiving creditors. To discuss your specific situation, call our office at (510) 538-7188.
The Fair Debt Collection Practices Act limits debt collectors’ illegal action such as follows:
Under the Fair Debt Collection Practices Act, you have the right to sue a debt collector in state or federal court within one year from the date of the violation. If you win, you may recover damages in the amount of any losses you suffered as a result of the violation, plus an additional amount of up to $1,000.00. You may also be able to recover court costs and attorney fees.
If the same debt collector has engaged in unlawful conduct with a number of consumers, it may be possible to find a lawyer who will file a class action lawsuit.
As soon as you file either Chapter 7 or Chapter 13 bankruptcy, the court issues an automatic stay. This prevents creditors and debt collectors from contacting you, putting a stop to all creditor harassment. Attorney Crispin Lozano will handle all communications with your creditors from that point forward.
To schedule a free initial consultation, please call us today at (510) 538-7188 or contact us online.