Third-party collection agents are financially incentivized to collect on bad debts. This commission-based system has left vulnerable consumers subject to extreme and unlawful collection practices, including threats of violence, bad-faith legal action, embarrassment, and harassment. The Fair Debt Collection Practices Act (FDCPA) protects consumers from various unlawful debt collection practices by giving debtors the private right to file individual or class action litigation.
Discuss the substantial financial damages you might be entitled to with a dedicated FDCPA attorney from the Law Offices of Jibrael S. Hindi today by calling (844) 542-7235 or connecting with our consumer protection team online.
The FDCPA provides various relief options to consumers with valid claims. An experienced consumer protection litigator can help you determine which of the following remedies will result in the highest potential payout in your case.
The FDCPA prohibits collection agents from engaging in harassing and abusive behaviors, including making unlawful threats of harm, knowingly disturbing you at work, or providing confidential debt information to third parties. If an unlawful behavior results in significant financial damages, such as job loss or extreme emotional distress necessitating medical intervention, an attorney might demand compensation for these ‘actual damages’ incurred.
If a debt collector engaged in certain statutory violations, you might demand statutory damages up to $1,000 per lawsuit. The most common debt collector actions that often violate the FDCPA include the following:
An attorney may demand $1,000 in statutory damages per lawsuit if you did not sustain any additional actual damages. However, experienced FDCPA lawyers might also use these violations as a strong negotiation point to help settle certain debts and end collections fairly.
Certain collections agencies are notorious for engaging in unlawful behaviors. As such, an experienced consumer protection attorney might identify all impacted consumers and file a class action lawsuit. These lawsuits allow participants to demand up to 1% of the company’s net worth in damages or $500,000, whichever is less, to be split between participants.
The Fair Debt Collection Practices Act allows successful plaintiffs to recover all reasonable attorneys’ fees and court costs. As such, it could cost you nothing to retain a nationally recognized FDCPA litigator. Many reputable consumer protection lawyers even take viable cases on a contingency fee basis.
Dedicated FDCPA attorneys will analyze the facts of your case to determine the best remedy for debt collection violations. In many instances, you’re not the only consumer suffering harassment. This could lead to significant financial payouts in addition to compensation for your actual damages and legal fees.
There’s no risk associated with discussing your right to financial recovery for unlawful debt collection practices with consumer protection lawyer Jibrael S. Hindi and his team. Contact our FDCPA professionals online or call (844) 542-7235 for free today.