The Law Office of Andrew Magdy
Saint Louis Bankruptcy

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Fair Debt Collection Practices Act

The FDCPA (Fair Debt Collection Practices Act) provides consumers with protection from abusive debt collectors. It provides, in part, that consumers may be awarded up to $1,000.00 for a violation of the FDCPA and that the offending party must pay the consumer’s attorney’s fees. If you have been served a summons for court, it's really time to give us a call. You may be putting yourself at risk of getting garnished.

The Law Office of Andrew Magdy works with its client to protect their rights. We will help you file damages that you can recover against unauthorized automated collection calls and prerecorded voice mail messages to your cell phone. These recoveries can be between $500-$1500 per call under the Telephone Consumer Protection Act (TCPA). This protection extends to a residential phone line for telemarketing calls. When a company is calling several times a week, the damages can build quickly! Let us know as soon as possible if you suspect any FDCPA Violations against you.

The FDCPA prohibits collection agencies and/or lawyer conduct that is:

  • Unfair.
  • Untrue (any false statements; they are lying to you).
  • Undignified (humiliating, degrading, shameful).
  • Disrespectful (rude, obscene, profane).
  • Calling you at work after you ask them not to, calling family members (not spouse), contacting you by telephone or mail after you let them know you are represented by an attorney, etc).

If a debt collector violates the FDCPA, you can be entitled to;

  • Up to $1,000.
  • Additional "actual" damages.
  • No cost for legal representation. The debt collector must pay the fees!
  • No more harassing phone calls, letter, or collection attempts.

If you have any questions at all about the FDCPA, please do not hesitate to call: (314) 802-8328