Fair Debt Collection Practices Act (FDCPA)

As a consumer, you are entitled to file a lawsuit against any debt collector who violates your rights under the FDCPA. In short, the FDCPA allows a consumer to recover their actual damages, statutory damages of up to $1,000 and their attorney’s fees and costs. While this may seem like a modest amount, to debt collectors who violate the law there is much more at stake: increased insurance rates, decreased collection rates, potential governmental regulatory action, and the spiraling costs of defending a lawsuit for their illegal conduct.

The deck is stacked against consumers with sophisticated debt collection tactics and unfair aggressive psychological tactics. As a consumer, you should not hesitate to shield yourself from these sharp practices and exercise your rights under the FDCPA. Our law firm has the experience, resources and ability to zealously represent you in your FDCPA action against any debt collector. We file federal lawsuits against debt collectors who violate the law. The FDCPA prohibits collection efforts which violate the law. That means, among other things, a collector must tell the truth, be respectful of you, and cease communicating with you when you have a lawyer. Our firm will make illegal collection activity stop dead in its tracks.

We firmly believe that everyone should pay their just and owing debts, however our country was founded on historic legal principles which rejected debtor’s prisons and unfair and prejudicial business tactics . Likewise, we think that no debt collector ought to violate your rights to receive payment. It’s that simple. Your legal right to fair, legal, debt collection activity cannot take a back seat to any debt collector’s violations of state and federal law.

You have the right to sue a debt collector within one year from the date you believe the law was violated. Our firm wants to evaluate your case in a timely manner. If you do not bring your lawsuit within one year of the violation, your claim will be forever barred by a statute of limitation. If you win your lawsuit, you may recover money for the damage you suffered, statutory damages of up to $1,000, plus court costs, and your attorney fees.