Have you heard of the Fair Debt Collection Practices Act? Approved in the fall of 1977, this act was devised to protect consumers from abusive debt collectors. Since credit cards truly began profiting banks in the 1980s, this act has saved billions of consumers from harassment since its launch, and with the expertise of a determined debt collection harassment attorney, it can do the same for you.

It is no secret that many Americans today are faced with debt, but did you know that the percentage of Americans in debt is as high as 80%? Chances are you or someone you know is struggling with debt at this very moment. You may have even received unpleasant phone calls from collection agencies as you try to figure out what steps to take next. Fortunately, the majority of the debt comes from home ownership, which is generally a good thing as homes are investments. However, a significant amount of debt is non-mortgage debt afflicting young people in particular. Millennials, or those born between 1981 and 1997, are more likely to face student loan debt, car loan debt, and/ or credit card debt as few of them own homes.

No matter what debt you are facing, you deserve to be treated with dignity. This is why the Fair Debt Collection Practices Act (FDCPA) outlines what kind of debt is protected and what behaviors are prohibited when collecting debt.

WHO IS COVERED BY THE FDCPA?

The FDCPA protects consumers from the practices of skeevy debt collection agencies. “Consumer” under the FDCPA is defined as not only the original consumer who incurred the debt, but the borrower’s spouse, parent or guardian (when the borrower is underage), executor or administrator.

WHAT KINDS OF DEBTS ARE PROTECTED?

Under the FDCPA, only debt incurred for personal, family, or household purposes is protected from the aggressive practices of debt collectors.

WHAT ACTIONS ARE NOT ALLOWED?

  • Debt collectors may not call you before 8:00 AM or later than 9:00 PM
  • Debt collectors may not contact your family, neighbors, or friends to discuss your debt
  • Debt collectors may not call without identifying themselves
  • Debt collectors cannot call you at work
  • Debt collectors cannot use abusive or threatening language toward you
  • Debt collectors cannot misrepresent facts, such as exaggerating how much you owe
  • Debt collectors cannot bully you into paying with threats such as incarceration
  • Debt collectors may not threaten you with physical force or violence causing you, your property, or your reputation harm.

These actions violate your privacy! To learn more, speak with experienced FDCPA attorneys like Jibrael S. Hindi and his team.

If you feel that any of the above have occurred during your battle with debt, you are eligible to file a claim under the Fair Debt Collection Practices Act. Call 1-844-JIBRAEL today to put an end to the harassment and get paid!

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