Fair Debt Collection Practices Act

Violation of the Fair Debt Collection Practices Act

The Fair Debt Collection Practices Act (FDCPA) is a key piece of federal legislation that governs the debt collection industry. It contains guidelines for the collection of a debt, as well as the rights, consumers have when a collection company is seeking payment on money they are owed. One of the most important aspects of the FDCPA is that it prevents creditor harassment. Collection agencies that do not adhere to FDCPA laws can face criminal sanctions, including jail time and heavy fines. If you are being abused or harassed by a collection agency, contact a Ventura bankruptcy attorney at Bryan Diaz Law, P.C. at once. We will make sure your rights are protected and immediately stop the abuse.

Bankruptcy Attorney Serving Santa Barbara, Woodland Hills, Oxnard, Camarillo, Ojai, Thousand Oaks, Simi Valley and Santa Paula

Credit collection abuses resulted in the enactment of the FDCPA to protect the rights of consumers. The act forbids collection companies from:

  • Using derogatory or offensive language
  • Making threats
  • Using intimidation tactics to collect a debt
  • Providing false or misleading information

There are also restrictions as to when and where a debt collection company can contact you. It is important that you know your rights, especially if you are being harassed by a debt collector. Our firm will put an end to the harassment, and hold any parties responsible for the abuse accountable for their unethical behavior. We can also review your financial situation and discuss various ways that you can eliminate your debts, including debt settlement, debt negotiation and filing for bankruptcy. Every person’s financial situation is unique, and we will make sure that whatever advice we give you is based on the specifics of your particular situation.

Contact a Ventura bankruptcy attorney for qualified legal advice and representation if you are being harassed by creditors.