FDCPA and TCPA Violations
If debt collectors are harassing you, we may be able to sue them for violations of the Fair Debt Collection Practices Act, and you could then use this money towards paying for a bankruptcy - to defeat debt for good! Even if you are not interested in filing for bankruptcy, we can help you tackle these creditor violations. Call Andrew today, and after a few quick questions, we will put you in touch with a National Consumer Protection Agency that will let you know whether you have a claim or not: (314) 802-8328.
Fair Debt Collection Practices Act (FDCPA)
The FDCPA prohibits collection agencies and/or lawyer conduct that is:
- 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.
Telephone Consumer Protection Act (TCPA)
The TCPA makes it illegal for creditors or collectors to:
- Place automated calls ("robo-calls") to your cell phone.
- Leave pre-recorded voice messages on your cell phone.
- Send text messages to your cell phone.
- *unless you have provided consent for them to do so.
The TCPA also prohibits telemarketers from making robodial calls and texts to any number without consent. Even if you have consented to these calls, your consent to call your cell phone can be revoked in a number of ways. The damages you can recover for violations of the TCPA can be substantial - $500 - $1,500 for every call.