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As a consumer, you have rights under the Fair Debt Collections Practices Act (FDCPA). This is a federal act enforced by the Federal Trade Commission (FTC), a government consumer protection agency. Creditors and debt collectors must abide by these rules and cannot be "abusive, deceptive, and unfair" in their debt collection actions.
Stop Creditor Harassment
The bankruptcy lawyers at Shepard, Plunkett, Hamilton & Boudreaux, LLP, want all of our clients and potential clients to be well-informed about their rights under the FDCPA. If you believe you are being unfairly harassed by creditors, bill collectors or third-party collectors, consider consulting with one of our experienced bankruptcy lawyers in Augusta, Georgia. We also serve the entire CSRA and Eastern Georgia region from our offices in both Augusta and Evans. Please call our offices or contact us online.
Your Consumer Rights
The FDCPA protects you in the context of personal and household debts. These types of debts include credit card debt, medical bills, mortgages and car loans.
Here are some of the rules that provide consumers with protection under the FDCPA:
- Debt collectors are prohibited from calling you excessively/repeatedly or before 8 a.m. and after 9 p.m.
- Debt collectors cannot call you at work if you informed them of this fact.
- Debt collectors cannot inform or ask about your debt with family members, friends or your employer.
- Debt collectors are prohibited from using obscene/profane language and threats of violence/physical harm.
- Debt collectors cannot make false threats of taking legal action.
- Debt collectors cannot threaten to take away your property (if they are legally unable to do so).
- Debt collectors cannot lie or make false statements, including misrepresenting what you owe.
You can stop creditor harassment by obtaining an attorney or filing for bankruptcy. Once creditors are informed that you are represented by an attorney, they can no longer contact you and must only contact the attorney. Furthermore, once you file for bankruptcy, there is an automatic stay placed on creditors and they must immediately stop all collection actions.
Seek Protection From Our Bankruptcy Attorneys in Augusta, Georgia
To give you the lasting solutions and the personalized service you deserve, we offer free initial consultations for anyone considering personal bankruptcy. We will examine your individual case and explain to you whether your rights have been violated and how we can help protect you. Contact us today.
