Consumer Debt Attorney CT

CT Consumer Debt AttorneyAs a CT consumer debt attorney has seen firsthand, dealing with overwhelming debts can be challenging, especially because the debtor may be struggling to pay them. As a result, it’s common for someone with debtors to receive calls from creditors in an attempt to recover some of what is owed to them. Unfortunately, these calls can become constant and challenging to contend with, and for those who are struggling financially, those receiving these calls can be incredibly overwhelmed. While there are solutions for managing debts to experience relief, it should come as no surprise that debt collectors may take specific actions to collect debts beyond the scope of what they can do. As the professionals from Eric Lindh Foster Law, LLC will share, some of these actions may be illegal under the Fair Debt Collection Practices Act. Consumers with debts can protect themselves, take legal action, and even take steps towards better managing their debts. The first start to the process is to take the time to find an experienced lawyer who can help. 

Fair Debt Collection Practices Act

The Fair Debt Collection Practices Act (FDCPA) became effective in 1978 to prevent unfair collection practices when debtors attempt to collect debts from consumers. Under this law, there are restrictions when collecting a debt. Several aspects of the FDCPA must be adhered to, including:

  • There are specific times that a creditor can contact the debtor, between 8 am and 9 pm
  • They cannot claim to be working for another agency
  • Make threats 
  • Creditors cannot threaten to have the debtor arrested 
  • They are not able to attempt to collect debts from other people. While a creditor may contact third parties, they can only do so to receive contact information of the debtor

A CT consumer debt attorney knows the impact these actions can have on a person but know that it’s possible to take action when a debtor violates The Fair Debt Collection Practices Act (FDCPA). It is possible to hold creditors accountable by bringing the case to court to collect damages for the losses. In addition, it may also be appropriate to file a complaint with The Federal Trade Commission. Reporting these acts gives debtors more leverage when negotiating their debts. While it may be possible to negotiate debts down, for some, the most appropriate option may be to consider bankruptcy. 

Finding an Experienced Lawyer

While many area lawyers are available and willing to offer their services to prospective clients, it will be essential to put time and energy into locating an area lawyer with experience in this particular practice area. Remember that all lawyers come with different skill sets, and choosing a lawyer who lacks experience in debt collection practices can result in missteps. To find an experienced lawyer, keep the following tips in mind:

  • Conduct thorough Internet research
  • Check the American Bar Association for referrals
  • Ask for referrals from people you know
  • Only consider meeting with lawyers with experience in debt collection
  • Meet with lawyers for consultations for the opportunity to ask questions and gain insight into the path forward
  • Carefully prepare for the consultation to make the most of the time allotted

Seeking guidance from a legal professional will be the best way to get started when searching for answers regarding how to move forward. To learn more about the services of our CT consumer debt attorney, schedule a consultation with Eric Lindh Foster Law, LLC.