Fair Debt Collection Practices Act

Borrowers that may have fallen behind on payments. The Federal Consumer Financial Protection Bureau believes that over 35% of adults have, at some point, been the subject of debt collection efforts. The greatest forms of debt are health-care related debt, student loans, and credit or debit card debt.

The Fair Debt Collection Practices Act protects debtors from abusive, unfair, and deceptive debt collection practices that are employed to pressure and intimidate debtors. The law entitles you to respectful treatment and privacy. Callers cannot threaten you, use abusive language, or speak to anyone not authorized. Calls are prohibited between 9:00 p.m. and 8:00 a.m. and calls cannot be made to your place of work.

If you think you are a victim of abusive Debt Collection Practices, we are here to help you take action. You have the right to sue a collector within one year from the date the law was broken. Contact us for more information.