Fair Debt Collection Practices Act

Consumer debt is a fact of life in modern America. Whether you believe that this is the result of years of poor public policy or a matter of individual responsibility, it’s impossible to deny that far too many people find themselves up against harsh financial odds.

At Heartland Legal Group, we don’t think it matters why you got into debt trouble: No matter who you are, you have the right to be treated with respect, dignity and professional courtesy. Laws like the Fair Debt Collection Practices Act, or FDCPA, back this idea up, and our aim is to ensure that you can leverage the protections such rules afford you.

Why Should You Care About the FDCPA?

According to the law, you don’t have to deal with debt collectors who harass you, make your life hard or interrupt your daily routine. The FDCPA was specifically written to shield you from practices like collectors calling you at odd hours or constantly bugging you. If you send them written notice asking them to cease, then they have to stop. If you tell a debt collector not to contact you when you’re at your job, then they can’t do so. If you tell them that you don’t want to talk about your debt anymore, then they don’t have the right to stalk you or try to communicate with you.

The FDCPA sounds pretty great in principle, but the problem is that most consumers don’t really know about their rights. Even worse, many debt collectors aren’t quite willing to adhere to their legal obligations. A critical part of the FDCPA’s ability to function revolves around consumers pursuing their rights proactively.

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Ensuring That the FDCPA Does Its Job

Like many consumer protections, the FDCPA isn’t iron-tight. Debt collectors are constantly probing for weaknesses in the law and pushing the envelope to see what they can get away with.

Don’t let collectors walk all over you. As a consumer, you should explore your options as fully as possible, and if your rights have been violated, you may be eligible for damages and attorney’s fees.

The FDCPA has been protecting consumers since 1977, but it’s up to you to take action when you need its help. Whether this involves compiling a detailed record of your interactions with collectors or filing a formal lawsuit, you stand to benefit by checking in with a legal professional first. Learn how to protect your rights as a debtor by contacting Heartland Legal Group for a complimentary case consultation today.