Fair Debt Collection Practices Act
Your Rights under Federal Law
Creditor harassment often occurs when a person falls behind on their bills. Repeated phone calls, letters and even legal threats can make a difficult financial situation even worse. In 1978 the U.S. government passed the Fair Debt Collection Practices Act (FDCPA) to eliminate abusive collection practices. The statute also provides consumers with a way to dispute erroneous credit report information. Under FDCPA laws, collectors are prohibited from:
- Calling before 8:00 a.m. or after 9:00 p.m.
- Using derogatory or profane language
- Call your workplace if your employer prohibits such calls
- Making legal threats when there is no intention to take any legal action
- Contacting you directly if you are represented by a lawyer
- Disclosing your debt information to others
- Misrepresentation and falsification of information
If you are being harassed by creditors, contact our legal team to find out more about FDCPA laws and how to protect your rights. A knowledgeable attorney can review your case and how best to address the situation, including filing a claim against the collection firm.
Protecting Your Rights now & for the Future
Cain & Associates, PLLC is a highly skilled law firm that has helped many individuals with creditor problems. We will aggressively protect your rights and hold any creditors involved in unlawful collection practices accountable for their actions. Our firm understands the frustration and stress that money problems can cause, and can help you develop a plan to get back in control of your finances. Attorneys at our office will discuss your legal options, including filing for chapter 7 or chapter 13 bankruptcy. We can also explain other debt relief remedies such as debt negotiation, debt settlement and debt consolidation. So don’t waste another minute! Contact our Nashville office if you are being harassed by creditors for high quality legal counsel and representation.