Fair Debt Collection Practices Act (FDCPA)

 

The Fair Debt Collection Practices Act (FDCPA) establishes legal protection from debt collectors who use abusive, unfair, or deceptive practices in an attempt to collect a debt from you.  Under the FDCPA, a debt collector is defined as someone who regularly collects debts owed to others.  Examples are collection agencies, lawyers who collect debts on a regular basis, and companies that buy delinquent debts and then try to collect them.
 

If you experience a satutory violation of the Fair Debt Collection Practices Act (FDCPA), you are entitled to collect up to $1,000 and the debt collector is required to pay your legal fees.

 

You can learn more about the law by visiting the FTC website by Clicking Here.

 

Telephone Consumer Protection Act (TCPA)

 

The Telephone Consumer Protection Act (TCPA) provides legal protection to consumers who receive auto-dialed, robo-dialed or pre-recorded messages on their cell phone without their consent or request. The Act also protects consumers from text messaging SPAM and unwanted text messages.

 

Telephone Consumer Protection Act (TCPA) violations can result in $500 in damages for each occurence. In some cases, the courts can levy up to triple damages resulting in an even higher recovery for victims.

 

Read What Debt Collectors Can't Do to see if you have been a victim and may be entitled to compensation.

 

You can learn more about the law by visiting the FCC website by Clicking Here.