Hartford Debtor Rights Lawyer Discusses the Federal Debt Collection Act
As an experienced Hartford Debtor Rights Lawyer, I am often asked what the federal debt collect act entails. The Federal Debt Collections Practices Act is a specific act passed by Congress in the 1970s to protect consumers. Previously, debt collectors were engaging in very aggressive and unlawful and deceptive practices that harassed consumers that simply were unable to pay their bills on time. Failure to pay your bills on time is not a crime. Many people aren’t able to pay their bills on time. So Congress passed a law that said debt collectors cannot engage in harassing or illegal, deceptive practices.
Previously, debt collectors would tell your neighbors that you owed a debt and tell them to call you and try to collect goods that you had illegally purchased. They would call colleagues at work and tell them that you owed a debt and try to shame you into paying a debt. They would lie to you in telling you that owing the debt is illegal, that a martial is coming to your house. I even had one consumer who said that he got a threat that they were going to kill his dog. Basically, this federal law is designed to turn the tables on banks and offers a private action that a consumer can take back against a debt collector that violates their rights. We at the lawfirm of Lindh Foster specialize in suing backs and debt collectors that engage in this egregious behavior.
Do you have questions about FDCA or your rights if you owe money? Contact experienced Hartford Debtor Rights Lawyer Eric Foster.