Collection Issues

Do you have creditors harassing you to pay bills you cannot afford? A debt and finance attorney may be able to help you negotiate your debts using the Fair Debt Collection Practices Act, or “FDCPA.”

Don’t waste your time stressing over your debt or negotiating with creditors yourself – there is a way out, and we know we can help.

What is the FDCPA?

The FDCPA is a federal law that governs many aspects of debt collection behavior and practice. It was passed in 1978 to prevent debt collection practices that are abusive, deceptive, or unfair. Many people do not realize that they have rights as a consumer, and that if they are being unfairly harassed by a creditor, they can take legal action.

What debts are covered?

This law applies only to consumer debt, not business or corporate debt. All types of consumer debt — credit cards, home and car loans, medical bills, student loans and more — are covered.

For the most part, creditors are legally unable to contact you at an unusual time or place, at work if you can’t receive personal calls there, or confront you publicly. If you are represented by an attorney, the debt collector must contact your attorney instead of you.

You may feel powerless against an abusive creditor, but with effective legal representation you can stop unscrupulous collection efforts. Before you worry about that next call from a creditor, call us to know what legal and financial options you have.