Call Our Northbrook Debt Harassment Attorneys to Stop Creditor Abuse – (847) 440-5998
The Fair Debt Collections Practices Act (FDCPA) was established to protect consumers and debtors like yourself from being harassed by collection agencies and creditors’ tactics. Collection agents and creditors are made aware of these laws and are expected to follow them, but they often fail to do so.
Harassed by creditors? We can help. Call (847) 440-5998 now. If you have been a victim of debt collection abuse or believe your rights under FDCPA were violated, turn to Bach Law Offices, Inc. Our Northbrook consumer lawyers are here to protect your rights and take swift action on your behalf.
- What Rights Do I Have When A Debt Collector Or Creditor Is Trying To Collect Money From Me?
- What Can I Do If A Debt Collector Has Violated The Law?
Purpose of the Fair Debt Collection Practices Act
When you owe a company money, you are expected to pay it back in a timely manner. If you fail to do so, they may take action to try to collect what is owed to them. However, this does not mean they are allowed to abuse you, threaten you, or contact you incessantly. You have rights and you should not allow yourself to be subjected to this type of abuse.
The purpose of the FDCPA was to prevent illegal debt collection tactics, such as:
- Disrespecting the consumer
- Misrepresenting the actions which can be taken
- Disclosing protected details to a third party
- Acquiring personal information illegally
Common Types of FDCPA Violations
It can be difficult to determine on your own if debt collection techniques are simply abrasive or illegal. Just because you owe money to creditors does not mean they can treat you however they want and break the laws which govern their actions. It is vital that you work with a Northbrook FDCPA attorney who can protect you from debt collector abuse.
A few examples of the most common types of creditor actions which may violate FDCPA:
- Leaving threatening or abusive voicemails
- Leaving voicemails without identification
- Threatening you with wage garnishment or lawsuits
- Using insults, abusive language, or scare tactics
- Contacting your employer(s), friends, family, or neighbors
- Contacting you at work after you have requested them not to
- Contacting you late at night or early in the morning
- Communicating with you after you have put in a written request
- Threatening your reputation, your physical property, or with violence
- Impersonating another individual in order to gain information
- Misrepresenting the company they work for