The Fair Debt Collection Practices Act (FDCPA)
Overwhelming consumer debt is a common and significant hardship that many Americans face. When this debt becomes unpaid, creditors may turn to unlawful and immoral means to collect on these debts, generating further stress and anguish for those already struggling with their finances.
The Fair Debt Collection Practices Act, or FDCPA, is a federal statute that protects customers against such actions. Our firm understands the gravity of the debt-collecting process, and Chabner Legal Group is here to assist you with navigating the FDCPA.
Introduction to the FDCPA
The Fair Debt Collection Practices Act was passed in 1977 to address abusive, deceptive, and unjust debt collection practices. It applies to debt collectors, who are 3rd parties who take over and collect debts. Unfortunately, many debt collectors resort to actions that violate the FDCPA by employing illegal debt-collecting practices.
It is important to note that the FDCPA does not apply to creditors, who are the initial debt lenders, although their conduct can violate other laws and regulations.
Our FDCPA Services
At Chabner Legal Group, we protect our clients and ensure that your FDCPA rights are not abused. Examples of our services include the following:
- Examining your case to determine if a debt collector has violated the FDCPA
- Sending a cease-and-desist letter to the debt collector, demanding they cease their illegal conduct.
- Filing a lawsuit against the debt collector, seeking damages for any FDCPA violations;
- Representing your interests in court and advocating for your rights
Common examples of FDCPA violations include:
- Harassment or threats of violence
- Using offensive language
- Contacting you at inconvenient times or places, such as between 9:00 pm and 8:00 am or calling you at work when you have previously told them not to
- Disclosing your debt to third parties
- Using false or misleading statements to collect a debt
Why Choose Chabner Legal Group for FDCPA Protection
Chabner Legal Group's attorneys are well-versed in the FDCPA and dedicate their skills to protecting their clients' rights. We also recognize that coping with debt and the stress it brings can be daunting. That is why our staff is committed to developing a strategy that solves your financial issues while actively defending your rights.
We believe in adopting a proactive approach to debt relief, which includes settling or renegotiating your debt and defending you against illegal practices. You have worked hard to get where you are, and creditors owe you respect and decency.
Our firm is built on a culture of integrity, compassion, and legal skills. Our attorneys and staff will work with you to understand your individual needs and create a plan tailored to your specific situation because we recognize that each individual's financial position is unique and that one size does not fit all.
If you believe a debt collector has violated the FDCPA, contact Chabner Legal Group. Together, we can investigate any illegal activities, stop them, and help you get any legal redress you deserve. Remember that you are not alone on this path. With Chabner Legal Group on your side, you can take charge of your financial destiny and begin creating the life you deserve.