Welcome to FDCPA Claims.com, your best source on the web for information regarding the FDCPA and FDCPA legal claims. The Fair Debt Collection Practices Act, which went into law over 30 years ago, protects victims of illegal and unfair collection practices wherein a collection agency is involved. There are a number of federal and state laws which offer numerous protections for indebted individuals who are being constantly dunned by these (oftentimes) ruthless agencies.
You do need to understand that the creditor (e.g. issuing credit card companies) is allowed to do and/or say certain things and still remain legal in the process. Conversely, the collection agency is not acting legally if they do and/or say those identical things since they are in direct violation of the FDCPA. Therefore, legal claims can be filed against those collection agencies that violate the FDCPA when dealing with debtors.
Despite the fact that the FDCPA applies to collection agencies and not the original creditor, the laws under the act also apply to debt collection attorneys, so they must operate within the guidelines of the legislation as well. In addition to this, the statutes of the FDCPA impose limitations on monetary damages. As it currently stands, victims of FDCPA violators can only recover $1,000 in damages. These typically include the FDCPA violation, the resulting damages, and “reasonable” lawyer’s fees.
How We Can Help
We know the ins and outs of the FDCPA legislation and can help you should you feel that you have a case against any collection agency that has violated the act. Monetary damages can be awarded to the victim based on traumas that are medical and/or psychological in nature. Damages can also be awarded due to financial loss created when a person’s credit score has been improperly reduced. The average individual today that is over their head in debt is not usually aware of the protections offered under the FDCPA.
If you feel that your rights under the FDCPA have been violated, then maybe it is time for you to consult with an attorney to see if you legitimately have a case against a collection agency. We invite you to search our site for information regarding your circumstances. Or you can contact us either via the Contact Us page or the Free Claim Review page. We will be more than happy to help you in anyway we can and answer all questions that you may have.
For over 25 years, Jonathan Ginsberg has represented honest, hardworking men and women facing financial troubles.
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