Fair Debt Collection Practices Act (FDCPA)

Protect Yourself From Unfair Debt Collectors

The Fair Debt Collection Practices Act (FDCPA) helps consumers who are being harassed and abused by debt collectors. If you are being harassed by collection agents who repeatedly call you at work, at unreasonable hours or take other illegal and threatening actions, you may be able to find relief under this law.

The Law Offices of Kenneth Hiller, PLLC, helps consumers enforce their rights under the FDCPA. Our experienced Rochester, NY attorneys know how to use the law to stop harassment and illegal tactics by creditors and to obtain compensation for damages when their rights have been violated.

About the FDCPA

You may want to complain to your credit card company or other creditor if you are being harassed about debt. Most of the time, however, your actual creditor is not contacting you about the debt. The FDCPA covers the entities that most often harass consumers, including:

  • Debt buyers, who purchase debts from creditors
  • Debt collection law firms, who are lawyers representing creditors
  • Debt collection agencies, who are hired by creditors

If a debt collector engages in abusive debt collection practices such as making threats, disclosing your debt to someone else, misleading you and making false threats, you can hold them accountable for Fair Debt Collection Practices Act violations.

You can sue your creditors for money damages, and the debt collector may also be required to pay your attorney’s fees and costs for the lawsuit.

How to Sue Under the Fair Debt Collection Practices Act

When our law firm represents you, one of our first tasks will be to help you stop the harassment. You should keep evidence of the harassment, including phone records, letters and recordings. That will help our lawyer prove the case if we are able to file a claim on your behalf.

In addition to assisting debtors who are being harassed by debt collectors, we can represent other people, including family members and people whose phone numbers are in debt collection databases. We also represent people who have been harmed by violations of the Fair Credit Reporting Act (FCRA).

Learn About Your Rights in a Free Consultation

To learn more about how we can help you, contact us today to schedule a free initial consultation with our experienced consumer protection attorneys. Call us at 877.236.7366 or contact us online.