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It’s important to know that you have rights when dealing with debt collectors. The Fair Debt Collection Practices Act (FDCPA) is a federal law that prohibits debt collectors from using abusive, unfair, or deceptive practices to collect a debt. Some of the protections under the FDCPA include:
- Debt collectors cannot call you before 8 a.m. or after 9 p.m. unless you agree to it.
- Debt collectors cannot contact you at work if they know your employer prohibits such calls.
- Debt collectors cannot use threatening or abusive language, or harass you with repeated phone calls.
- Debt collectors must identify themselves and disclose that they are attempting to collect a debt.
- Debt collectors must provide written validation of the debt if you request it within 30 days of their initial contact.
If a debt collector violates any of these rules, you may be able to sue them for damages. A debt collection attorney can help you understand your rights and take legal action if necessary.
If you have the need, we have the help.
FDCPA aka The Fair Debt Collection Practiced Act
It is important to note that not all debt collectors are in violation of the FDCPA, and the law does allow for reasonable attempts to collect a debt. However, if a debtor feels that a collector has violated their rights under the FDCPA, they should seek the guidance of a knowledgeable attorney who can help them understand their rights and options. The Zermay Law is a great resource for anyone in need of legal guidance regarding debt collection.
The Fair Debt Collection Practices Act (FDCPA) protects debtors from harassment by debt collectors. People turn to Zermay Law to provide guidance throughout the process.
The FDCPA provides a range of damages for successful FDCPA lawsuits, including monetary damages, attorneys’ fees, and more.
Attorneys at Zermay Law know how emotionally charged and disturbing these debt collectors can be, and work hard to bring calm and reason to the situation.
With years of experience, I have the qualifications and knowledge necessary to protect you and your rights. I am here to help in any way I can and that all begins today. At Zermay Law, you can have confidence in the team handling your case. My firm is proud to deliver high-quality legal representation and compassionate counsel during this difficult time.
We will sue abusive debt collectors and credit reporting agencies at no cost to you unless we win.
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Debt Collection Harassment Services
At Zermay Law, we understand the stress and anxiety that come with being pursued by creditors and debt collectors. If you’ve experienced any of the following, you may be entitled to compensation, and our team is here to support and guide you through the process:
- Early Morning or Late Night Contact: Have creditors or debt collectors contacted you before 8 am or after 9 pm? Such practices are not only intrusive but may also be against the law. You have the right to peace and privacy outside of reasonable hours.
- Excessive Communication: Has the frequency of calls from creditors or debt collectors been overwhelming? Specifically, have you been contacted more than once a day over a period of a week? This can be considered harassment, and you may be entitled to compensation for this excessive and stressful behavior.
Our services at Zermay Law include:
- Legal Consultation: Offering a comprehensive review of your case to determine if you have a claim for compensation based on the frequency and timing of the debt collection attempts.
- Representation: If you decide to pursue a claim, our experienced attorneys will represent you, ensuring that your rights are protected every step of the way. We’ll handle the legal complexities and aim for the best possible outcome.
- Negotiation and Litigation: Our team is skilled in negotiation and, if necessary, litigation. We aim to secure compensation for the undue stress and potential privacy violations you’ve endured.
- Education and Support: We believe in empowering our clients. We’ll provide you with the information and support you need to understand your rights and the legal process.
Why Choose Zermay Law?
- Expertise: Our attorneys specialize in consumer protection laws and have a successful track record of helping clients receive compensation for harassment by creditors and debt collectors.
- No Upfront Costs: We operate on a contingency fee basis. You won’t pay any attorney’s fees unless we win your case.
- Personalized Attention: Every case is unique, and we provide personalized attention to each of our clients. We’re committed to being your advocate and ensuring your voice is heard.
If you believe you have been subject to harassment by creditors or debt collectors, contact Zermay Law today for a free consultation. Let us help you assert your rights and explore the possibility of securing compensation for the inconvenience and distress you’ve experienced.
If you have received threats of wage garnishment, lawsuits, and losing your home, it’s time to take effective action to stop the abuse! The FDCPA (Fair Debt Collection Practices Act) has given you the weapons with which to fight back and make the debt collector pay YOU money for their abusive, harassing behavior.
Even if you legitimately owe the money, a debt collector has to treat you with respect. That is the law! Furthermore, if a credit reporting agency makes a credit report error, they must correct it. Under the FCRA (Fair Credit Reporting Act) credit reporting agencies, by law, have to get it right. You can sue abusive debt collectors under the FDCPA and you can sue credit reporting agencies under the FCRA.
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