What If Your Rights Were Violated?

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If your consumer rights have been violated by a third-party debt collector, you may be entitled to an FDCPA lawsuit. The FDCPA was enacted to protect consumers from unethical and abusive methods of debt collection on behalf of an original lender.

What Are Illegal Actions for a Debt Collector to Take?

There are many potential violations outlined by the FDCPA. For example, it's illegal for a third-party debt collector to call you at inconvenient hours. This typically means you cannot be called before 8 AM or after 9 PM in your timezone. Other potential violations include, but are not limited to:

  • Threatening you with a lawsuit the collection agency has no intention of making
  • Notifying uninvolved third parties of your outstanding debt
  • Sending you embarrassing mail or media
  • Not sending you a debt verification letter in the mail

What If Your Rights Are Violated?

If your rights as a consumer were violated, you may be able to fight back by filing an FDCPA lawsuit. You could be entitled to up to $1,000 in actual damages, plus more if you incurred any suffering or embarrassment from the collection agency.

Speaking with an FDCPA attorney is often the best method to ensure you get the compensation you deserve.

Here's a little more information on what to do if your rights have been violated: