Unfair practices are defined as misrepresentations, illegal acts or fraud committed by businesses against consumers. These practices can arise in a number of different circumstances such as tenancy issues, insurance claims and settlements, product or service sales and debt collection.
How Does the FDCPA Protect Against Unfair Practices?
The Fair Debt Credit Practices Act (FDCPA) was enacted in 1977 to protect consumers from unfair business practices. It makes it illegal for a business to lie to you in order to collect money from you. Debt collectors cannot state that they are lawyers or claim to represent any government agency. They cannot threaten you with legal action that they do not plan to pursue. They are not allowed to call you repeatedly or call you between the hours of 9 P.M. and 8 A.M. They are not allowed to use any profanity when speaking to you. They are not allowed to harass you in any way in an attempt to collect a debt. The FDCPA also has provisions that allow you to get your credit report, and provides a means to dispute the charges on it.
How Can an Attorney Help?
If you feel you have been the victim of unfair business practices, an attorney may be able to help. You may be entitled to compensatory damages and legal fees. You may be able to have an attorney communicate with your creditors for you so you do not need to speak with them directly. An attorney can assist you in obtaining a credit report so you can dispute any false charges.