Credit Card Creditor Harassment
Fair Debt Collection Practices Act
The FDCPA is a federal statute passed into law by Congress in 1977. It is designed to stop creditors from engaging in unfair and harassing debt collection activity. It puts consumers on an equal footing with the credit card companies and bill collectors. It allows a consumer to collect up to $1,000.00 in damages from the debt collector upon a showing of abuse. The FDCPA also requires that the debt collector pay the attorney fees of a consumer when a violation is proven.
Some violations include:
- Calling you at inconvenient times, such as between 9:00 p.m. and 8:00 a.m..
- Calling you excessively with the intent to harass, abuse or annoy.
- Speaking with your neighbors or family members about your debt.
- Contacting you if the creditor knows you are represented by an attorney.
- Threatening to sue you if no lawsuit is actually intended, or there is no right to sue.
- Threatening to have you imprisoned.
- Using abusive or obscene language.
The bill collectors know that people are frequently ashamed or embarrassed about owing money, and therefore easily intimidated. Even the playing field by contacting Chula Vista attorney Jeffrey D. Poindexter. Mr. Poindexter will take the time to listen to your situation, and help address what seems to be an overwhelming problem.
Call the Chula Vista office of attorney J.D. Poindexter now for a free consultation!