The Fair Debt Collections Practices Act (FDCPA) protects you against overzealous creditors. Specifically, the FDCPA prohibits creditors from making false, unfair, or harassing statements in connection with attempts to collect a debt. The FDCPA covers the collection of mortgages, credit cards, medical debts, and any other debt incurred for personal, family, or household purposes. Under the FDCPA you may be able to sue abusive debt collectors who do any of the following:
If you have experienced any of the above injustices, damages for FDCPA violations could be awarded up to $1,000 plus attorney’s fees and actual costs. If you are being harassed by a debt collector, it is important to keep a good record of the harassment. You may want to consider keeping a call log, saving voicemail messages, and saving any documents you receive from debt collectors. FDCPA claims are subject to a one (1) year statute of limitations, meaning you only have one (1) year from the date of the violation to file a lawsuit.
If you believe you have an FDCPA claim, contact Marsalka Law, LLC.
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