Are you being harassed by debt collectors? Do you constantly receive phone calls at work and at home? Have you even received threatening messages? There are consumer protection laws that protect you from creditor harassment. The Fair Debt Collection Practices Act (FDCPA) protects consumers from unfair, deceptive or abusive practices by debt collectors.
Our San Diego Debt Collection Attorneys at Chang & Diamond, APC are experienced in aggressively representing those who have been treated unfairly by debt collectors. Our firm and Bankruptcy practice does not tolerate abusive collection tactics and violations of consumer protection laws.
Consult the San Diego Fair Debt Collection Practices Act attorneys at Chang & Diamond, APC, today in a free initial consultation session. We can explain your rights as a consumer and any further action you should take.
Consumer Protection: Fair Debt Collection Practices Act
In an effort to protect consumers, the federal government enacted the FDCPA, which prohibits creditor harassment and unfair treatment of consumers. Under the FDCPA, debt collectors and creditors cannot make harassing, repetitive and threatening phone calls. Nor can they send harassing letters or make threats of violence. If a debt collector violates the FDCPA, a consumer can sue for the violation and receive up to $1,000 in statutory damages and other costs/damages such as legal fees.
Just because you owe money to a creditor does not mean you should let unfair and deceptive acts and practices go unpunished. The credit harassment lawyers at Chang & Diamond can assist you and seek damages on your behalf.
Here are actions that generally constitute a violation of the FDCPA:
- Continuous and repeated phone calls with the intent to harass a consumer
- Calling consumer outside the hours of between 8 a.m. and 9 p.m.
- Using obscene language or other profanities
- Using fraud, misrepresentation or deceit to collect debt
- Threatening to harm you, your reputation or property
- Threatening to tell your employer or neighbors that you owe debt
There are many other actions that are illegal under the FDCPA. If you believe you are a victim under the FDCPA, be sure to save all records of your communication with the creditor and continue to keep track of all documents and correspondence.
Contact Our San Diego Debt Collection Attorneys
Call Chang & Diamond, APC today to schedule your free initial consultation with a San Diego Debt Collection Attorney. We can make sure your debts are collected in accordance with the law and you are protected from harassment.