Unfair and Deceptive Acts or Practices (UDAP)

Standing By Our Clients

Knowing that you owe money on a debt is stressful enough. These situations can often be made worse by the unrelenting tactics employed by creditors and third-party collection agencies. Phone calls, letters, e-mails and contacts to your work and family members are all strategies designed to get you to pay. However, many of these actions are illegal, especially after a bankruptcy has been filed, and must be stopped.

If you feel you have been the victim of UDAP, trust your case to us at Chang & Diamond, APC. We are a firm made up of aggressive advocates who are committed to standing up for our clients throughout the entirety of their cases and afterward if necessary. Our firm does not tolerate excessive and abusive collection tactics that are in direct violation of UDAP and other consumer protection laws.

We can meet with you to determine the extent of your situation and explain the specifics of the laws that protect you. Your attorney can run your credit and send cease and desist letters to creditors, demanding that they stop their overzealous collection activities. Our firm also provides clients with a log book in order for them to track additional contacts made by the creditors. We can use these additional and illegal contacts against them if necessary in subsequent legal proceedings.

  • In addition to handling UDAP matters, our firm represents clients under the Rosenthal Act and can explain how that additional measure of consumer protection may help you.
  • A significant benefit of UDAP statutues is that certain actions can be deemed unfair and deceptive even though is does not constitute a breach or violation of more traditional laws. As such, these actions allow for attorneys to react immediately and make a strong case for you, in order to help you exercise your right to a legal remedy.
  • Even though UDAP statues prescribe no specific penalties and do not determine legal action resulting from an unfair and deceptive practice, they are widely used as guidelines for interpreting state statues.
  • In addition the term ”unfair and deceptive acts and practices”, the terms ”false and fraudulent” or ”misleading” can sometimes be used to refer to actions that violate the consumers’ rights, which should further clarify what kind of behavior is considered illegal and is actionable.

Do not be a victim of illegal collection activities or creditor harassment. For more information on how to deal with creditors, collection agencies and Unfair and Deceptive Acts or Practices (UDAP) matters, contact a lawyer at Chang & Diamond, APC, today and schedule a free initial consultation. We have Spanish-speaking staff members to assist in translation when needed.

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