FDCPA (FAIR DEBT COLLECTION PRACTICES ACT)

The Fair Debt Collection Act was created in 1978 to protect consumers from harassment for unpaid debts. In general, the FDCPA outlines your right to dispute a debt and the responsibility of the debt collector to prove the debt is actually yours. It regulates third-party debt collectors.

How Many Times Can a Debt Collector Legally Call You?

The FDCPA prohibits debt collectors from conduct that is defined as harassing, threatening or abusive. The actual number of times a debt collector calls you does not matter, rather the frequency of those calls help to prove harassment.

Debt collectors cannot contact you:

  • Before 8 a.m or after 9 p.m.
  • If you are on the Do-Not-Call Registry
  • If you have told them to stop calling
  • An unreasonable amount of times a day

Debt collectors cannot engage in misrepresentations such as:

  • Claiming to be a lawyer
  • Threatening legal action
  • Making false claims about consumer’s credit
  • Making false claims about the amount or status of debt
  • Collect any interest, fees, charges or expenses incidental to the initial debt unless authorized by the original contract.

What Kind of Damages are you Entitled to as a Consumer?
By allowing the VG Team to file a lawsuit on your behalf, we may be able to obtain compensation for you.

STATUTORY DAMAGES


  • Under the FDCPA, if a consumer sues, he or she can receive up to $1,000.00 in
    damages.
  • Under the TCPA, you can receive up to $1,500.00 in damages per call if a Robo-Call was used.
  • Your Attorney’s fees will be paid by the debt collectors. The law is on the side of the consumer.

ACTUAL MONETARY DAMAGES


  • Emotional Distress
  • Recovery of Wage Garnishment
  • Physical Distress
  • Loss of appetite

If you are suffering from creditor harassment or any other unlawful practices, your VG lawyer is on standby and ready to assist you in every way! Contact us at 1-833-HELP-365 to discuss your potential case. We are available 24 hours a day, 7 days a week.