When Debt Collectors Violate Harassment Laws, You Get Paid!

What is the Fair Debt Collection Practices Act and How does it Get You Paid?

Were you aware of a law that exists to protect consumers like you from being hunted by debt collectors? Or that the same law exists to protect law-abiding consumers like you from the deceiving and illegal practices of aggressive debt collectors? Remember, a debt collector is the person or entity who is collecting your debt after you default on your payments.At The Law Offices of Jibrael S. Hindi, we handle FDCPA cases in Miami, Florida.

The Fair Debt Collection Practices Act, or FDCPA for short, was designed in 1978 to protect susceptible consumers from aggressive collection agencies who use unethical techniques to try to collect money owed. Under this law there are about 100 rules that debt collectors must follow. Most of the time they break these rules you are entitled to financial compensation. For example, collectors cannot call you incessantly, mislead you, lie to you, swear, or threaten you in any way.

If you believe you have been harassed by a debt collector, or that a collector has in any way broken the law, you can sue the collector in court. Violations of the FDCPA are eligible for a statutory penalty of up to $1000.00 and unlimited penalties to compensate you if you have suffered real harm such as emotional distress due to the collector’s harassment. The FDCPA allows attorney fees and court costs to be paid by the collection agency so you don’t have to pay our firm a dime!

Do you Qualify to Receive up to $1000.00?

 

To recoup damages under the Fair Debt Collection Practices Act, you must meet the following criteria:

1.) As a consumer, the FDCPA applies only to the collection of debt incurred by personal, family, or household purposes. (e.g., medical bills, credit card debts)

2.) The debt collector coming after your debt must have committed harassment or treated you unfairly. See the list below for the most common forms of harassment and unfair treatment carried out by debt collectors.

The following behaviors are considered violations of the FDCPA. If you feel that any of these apply to you, give our office a call (844)-JIBRAEL! See more about debt collection rules.

  • Calling you prior to 8:00 AM or later than 9:00 PM, or any time the collector has been notified that it is an inconvenient time to call.
  • Contacting your family, neighbor or friend to tell them about your debt.
  • Calling you without revealing his identity.
  • Continuously calling you at work even after he has been told that you are not allowed to take calls at work.
  • Using abusive language toward you.
  • Engaging in oppressive or abusive conduct.
  • Misrepresenting facts, like how much money you owe, or what actions he claims he will take to bully you into paying.
  • Threatening you with arrest or criminal prosecution.
  • Sending false information about you to the credit bureaus.
  • Contacting you upon being informed that you now have attorney representation.
  • Threatening you by using physical force, violence, or any criminal means causing you, your property, or your reputation harm.
  • Calling you using a computerized/automatic dialer without consent.
  • Leaving you pre-recorded voicemails without your consent. This is a violation of the TCPA. We handle TCPA lawsuits in Miami.

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