Consumer Protection And Debt Collection

Are you receiving harassing, abusive, or threatening phone calls from debt collectors? Did a debt collector call you without disclosing to you that they were a debt collector? Have your friends, family members, or employer received phone calls about your debt? Is there inaccurate information about your debt on your credit report? You may be able to sue the debt collector under Federal or State consumer protection laws.

You May Be Entitled To Up To $1,000 In Statutory Damages Or More For Actual Damages!

If you are the target of unlawful, harassing and abusive debt collection practices, The Mays Law Firm can help. We Sue Debt Collectors at No Cost to You!

Are Debt Collectors Harassing You? Know Your Rights!

There are a number of federal and state laws that protect you from unconscionable and illegal debt collectors.

The Fair Debt Collection Practices Act (FDCPA)

The Fair Debt Collection Practices Act (FDCPA) is a federal law that bars debt collectors from using abusive, deceptive, and unfair debt collection practices when attempt to collect a debt. Some common debt collection practices that are prohibited by the FDCPA include:

  • Contact a consumer that is represented by an attorney
  • Calling a consumer after 9:00 PM and before 8:00 AM
  • Repeatedly calling a consumer to harass, abuse, or annoy the consumer into paying the debt
  • Using obscene or offensive language
  • Publishing a list of consumers that refuse to pay a debt
  • Falsely representing the status, character, or amount of a debt
  • Threatening criminal action against a consumer if they do not pay the debt
  • Communicating false information about the consumer’s credit
  • Failing to validate the as required under the FDCPA
  • Failing to disclose to the consumer that the communication is from a debt collector
  • Making false or misleading statements to the consumer
  • Falsely Threatening To Sue You

 

Pennsylvania’s Fair Credit Extension Uniformity Act (FCEUA)

Pennsylvania’s Fair Credit Extension Uniformity Act (FCEUA) makes it a violation of Pennsylvania law for any debt collector or creditor to use abusive, deceptive, and unfair debt collection practices. The same debt collection practices that are prohibited under the FDCPA are also prohibited under the FCEUA. If a debt collector or creditor uses abusive, deceptive, and unfair debt collection practices, The Mays Law Firm can help you sue money damages at no cost to you! Call (215) 792-4321 to schedule a free, no-obligation consultation to discuss your case.

Federal And State Laws Protect Your Rights!

Federal and State laws regulating the collection of debts by creditors and debt collectors are complex. The Mays Law Firm can review the individual fact of your case, inform you of your rights under the law, and provide you with options to protect your rights. If your rights have been violated we can sue your debt collector at no cost to you!

Have Your Rights Been Violated? Call To Schedule Your Free Consultation.

Call (215) 792-4321 now to schedule your free consultation.

REQUEST A FREE CONSULTATION!