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Fair Debt Collection Practices Act:

FDCPA Attorney

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Recovered Since May 2015. Prior Results Do Not Guarantee Similar Outcomes.

What is the Fair Debt Collection Practices Act?

The last thing you need when faced with financial hardship or forgotten bills is the stress and worry that comes from abusive debt collection practices. Even worse, the last thing you need is being told you owe money that you do not actually owe, or getting calls or communications about someone else’s debt. The Fair Debt Collection Practices Act, also known as the FDCPA, is a federal law with specific standards of conduct for debt collection agencies and others seeking to collect a debt. The FDCPA provides rights and protections for consumers against the invasion of privacy, harassment, abuse, and false representation of unethical and aggressive debt collectors.

Debt collectors can include bill collectors, collections agencies, law firms, and corporate collections departments, among others.

An FDCPA attorney can work with you to hold debt collectors accountable for their harassing behavior.

What Are My Rights Under the Fair Debt Collection Practices Act?

If you have been contacted by a debt collector who committed any of the acts below, you may have legal options, including bringing a lawsuit for actual damages or $1,000 (whichever is greater) and attorney’s fees (meaning you do not have to pay for an attorney).

The FDCPA has set out certain requirements with which debt collectors must comply, including, but not limited to:

  • Failing to send you a written notice explaining the amount of debt, to whom the debt is owed, that you have thirty days to dispute the debt, and that you have the right to dispute the debt
  • Refusing to identify himself or herself
  • Communicating with you at your place of employment
  • Communicating with you before 8 am or after 9 pm
  • Communicating with a third-party in connection with your debt without your consent
  • Informing a third-party (such as a friend or coworker of yours) that you owe a debt
  • Continuing to contact you after you have asked them to stop
  • Threatening violence or using obscenity
  • Repeatedly calling you with the intent to annoy
  • Falsely representing the amount of a debt
  • Using any symbol on an envelope that identifies the debt collector as a debt collector
  • Representing or implying that you have committed a crime
  • Threatening arrest
  • Threatening to garnish wages or dispossess you of any other property (without a court order)
  • Threatening to sue on a time-barred debt (six years after last payment made)
  • Falsely representing that the collector is an attorney or that the communication is from an attorney

If you believe your rights might have been violated under the FDCPA, an FDCPA attorney can review your case.

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Liability for Violations of the FDCPA

When debt collectors fail to comply with the standards put into place by the FDCPA, they might be liable for damages you sustained as a result of their failure to comply or up to $1,000, whichever is great, as well as attorney’s fees.

The amount of damages paid depends on multiple factors, including:

  • Frequency of noncompliance by the debt collector
  • The specific method of noncompliance by the debt collector
  • Degree of intent
  • Number of individuals affected by the debt collector’s actions

How Do I Report a Violation of the Fair Debt Collection Practices Act?

You can report a violation of the FDCPA at any time by either filing a complaint with the Federal Trade Commission (FTC) or by contacting an attorney. The earlier you talk with an FDCPA attorney, the sooner you can start to put a stop to debt collectors obsessively contacting you.

Glapion Law Firm will speak with you and evaluate your case to see how we might be able to help.

FDCPA

Frequently Asked Questions
  • Who is subject to the FDCPA?

    • The FDCPA states that a debt collector is “any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another.”

  • What is the purpose of the Fair Debt Collection Practices act?

    • The purpose of the Fair Debt Collection Practices Act (FDCPA) is to protect consumers from the harassing and abusive methods of debt collectors. A Fair Debt Collection Practices Act attorney is well-versed in consumer rights and thoroughly understands the intricacies of the act.

  • What is the most common violation of the FDCPA?

    • One of the most common ways in which debt collectors violate the FDCPA is by continuing their attempts to collect the debt that is not owed — such as after you already paid it or never owed it in the first place. Several other common violations of the FDCPA include unethical communication, threatening legal action, making false statements, and making frequent and harassing phone calls. There are more, but in general, if something does not feel right during your interactions with a debt collector, contact Glapion Law Firm for a free consultation.

  • What am I entitled to under the FDCPA?

    • Under the FDCPA, you may be entitled to financial compensation, including actual damages or statutory damages of up to $1,000 (whichever is greater) and legal fees. Jeremy Glapion of Glapion Law Firm is an experienced FDCPA lawyer who can review your case to determine if your rights have been violated and, if so, help you hold the debt collector accountable.

  • How much does a debt collection attorney cost?

Glapion Law Firm does not charge you anything, and will instead seek to recover attorney’s fees from the debt collector. If we are unsuccessful, you pay nothing.

Put an End To Abusive and Harassing Debt Collectors

If you believe your rights have been violated under the FDCPA, we want to help. Glapion Law Firm is committed to protecting your rights and provides you with high-quality, personal, modern legal representation. FDCPA Attorney and Founder Jeremy M. Glapion graduated from Harvard Law School in 2012 and has a unique background in plaintiffs’ work and representing consumers.

Prior to founding Glapion Law Firm, Mr. Glapion worked for Gibson Dunn & Crutcher, a leading U.S. corporate defense law firm; Lieff Cabraser Heimann & Bernstein, a leading consumer-protection law firm; and clerked for The Honorable Freda Wolfson in the District of New Jersey. This dynamic background enables him to provide you with top-quality, honest, and responsive legal representation.

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