Debt Collection Laws
A debt collector is any person or company that uses any mode of communication, whether by phone or email, to attempt to collect debts for another party. Your bank, credit card company, and auto loan company are not debt collectors and cannot be held liable for anything violating the Fair Debt Collection Practices Act (FDCPA). The FDCPA was created to promote fair debt collection laws & procedures and to protect consumers against debt collection abuses. If you feel that you are being harassed at the hands of debt collectors, contact a debt collection attorney who can ensure that you are protected from abuse and misrepresentation.
Consumers have rights once their debts go into collections, and those rights depend on who is contacting you and when they are contacting you. Debt collectors cannot harass or abuse you. They cannot make your phone constantly ring intending to annoy you. Moreover, debt collectors cannot make any misrepresentations to you about what it is they may do if you don't pay, or how much you owe, or anything that may be misleading. Collectors are also regulated in who they contact and what they say. Collectors cannot tell other people about your debts or call your place of employment if your employer does not allow such calls. Debt collectors must also notify you of your validation rights when they first contact you, meaning you have the right to know what the debt is for and who it was originally owed to. Collectors try all kinds of tricks to get you to pay the bill. If you are not the person who owes the money, and a collector is still bothering you, you have rights to be free of such annoyance, and a debt collection attorney can help you.
Debt Collection Attorneys
The single most effective form of debt collection for a creditor is filing a lawsuit. If a lawsuit if filed against you, you must properly respond or risk having a judgment against you. The debt collection attorneys of SmithMarco, P.C., specializing in debt collection and FDCPA laws, have been protecting consumer rights for more than 35 combined years. Contact us for a free case review to determine if your personal debt collection consumer rights were violated. Our debt collection attorneys will provide you with the knowledge you need to protect your rights.