Fair Debt Collection Practices Act (FDCPA)

Aggressive debt collection practices are unfortunately very common, often leaving consumers feeling overwhelmed and harassed. The Fair Debt Collection Practices Act (FDCPA) stands as a powerful shield against such practices, offering consumers protection and the ability to take legal action when their rights are violated. At the forefront of this fight is our dedicated attorney, Nicole Anderson, committed to ensuring your rights are upheld under the FDCPA.

Protecting You from Harassment and Aggressive Collection Techniques: 

The FDCPA serves as a crucial safeguard, prohibiting collection agencies from engaging in aggressive practices such as calling late at night, contacting your friends, family, or co-workers, or reaching out to you at your workplace. At Anderson Legal, we understand the significance of keeping good records to support your claim under the FDCPA.

Why the FDCPA Matters

The FDCPA operates on a strict liability basis, meaning consumers don’t have to prove actual damages to file a claim. Simply demonstrating that a collection agency violated FDCPA regulations is sufficient. If you suspect a violation, our attorney, Nicole Anderson, can help you explore your options, potentially recovering damages of up to $1,000 for each instance of violation.

Examples of Violations

Under the FDCPA, debt collectors are restricted from calling outside specific hours, using abusive language, or engaging in actions meant to embarrass you. Any attempt to disclose your debt to others, such as co-workers, friends, or family, is strictly prohibited. Anderson Legal is here to guide you through the process and advocate on your behalf.

When Can a Debt Collector Contact Third Parties? 

While debt collectors are allowed to contact third parties, they must adhere to strict guidelines. This includes confirming or correcting information about your location without disclosing your debt, limiting communication to a single instance, and respecting your representation by an attorney.

Prohibited Behaviors and Harassment

The FDCPA explicitly prohibits certain behaviors, such as threats, the use of obscene language, public lists of debtors, and continuous, annoying calls. If you experience any such actions, don’t hesitate to reach out to Nicole Anderson to discuss your situation.

Tracking Contacts and Taking Action: Keeping meticulous records of collection activities is crucial when asserting your rights under the FDCPA. To assist you, we’ve created a comprehensive collection activity spreadsheet. Download and fill it out to track questionable collection contacts, providing a solid foundation for your claim.

Click here to download our tracking spreadsheet and take control of your financial well-being.

Don’t Put Up with Harassment – Call Us Today

Do not endure harassment and aggressive collection practices in silence. With the expertise of Anderson Legal and the protection afforded by the FDCPA, you have the power to fight back. Contact Nicole Anderson today to discuss your situation, and let us guide you towards asserting your rights and reclaiming control of your financial future.