Repeat After Me: A collector violates federal law when it acts unfairly, untruthfully, undignified, or disrespectful.
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Contact Me Today.
Let’s say this again. A collector violates federal law when it acts unfairly, untruthfully, undignified, or disrespectful.
You’re in debt. You are feeling shame, guilt, worthlessness. You believe you are unworthy of respect.
Federal law disagrees. You are entitled to be treated fairly, truthfully, with dignity and respect.
There’s good reason for this. The Fair Debt Collection Practices Act is necessary to protect jobs, marriage, and privacy, and to avoid bankruptcy. The Act says so in its preamble.
You can only be called during certain hours. You can only be spoken to no more than twice a week. Neighbors and employers cannot be told of your debts. They can only be called if you cannot be located. If your bills are not returned by the Postal Service, then your location is known and ther is no reason for the collector or creditor to have called anyone else.
You must be treated fairly, truthfully, and with dignity and respect.
If you have been mistreated, the collector or creditor pays your legal fees to sue for redress. You can recover your actual and statutory damages. These can be trebled if truly outrageous.
Confused? Don’t worry ‑ one of the reasons you need to hire an experienced debt protection lawyer for your case is to be sure that you choose the right type course of action for your situation. All you need to do is contact me for a consultation.
Don’t take my word for it ‑ read what my satisfied clients have to say about me!
Every client gets a survey at the end of their case because I want to do everything to improve your satisfaction. Read the results here.