Fair Debt Collection Practices Act
Are you being harassed by abusive debt collectors?
If you are living in fear of what you might find in your mail, or if you are afraid to answer the phone due to threatening demands for payment, you may be a victim of creditor abuse or harassment. We are focused in helping people under financial stress and at Bryant, Logan, Wheeler Law Group, PLC, you will get individualized attention from a veteran attorney who knows the limitations placed on debt collectors by federal law. The Fair Debt Collection Practices Act (FDCPA) is a federal law that protects consumers from unethical third party collection companies. For example, if your credit card company sells your delinquent debt to an 3rd party collections company, this new 'owner' of your debt is regulated by the FDCPA.
This law does not regulate the collection practices of your credit card company or your mortgage lender. Michigan has passed legislation that does protect consumers from abusive collection methods by these lenders. Contact us to learn how to get relief from incessant calls or threats to contact your employer or family members concerning your debt, or other violations of state or federal consumer law.
Wayne County Creditor Abuse Lawyer
We have helped thousands of financially distressed people stop creditor abuse, and to find a debt relief solution that works. You may not be at the point of filing for Chapter 7 or Chapter 13 bankruptcy relief, but as a consumer, you are protected from creditor harassment. Under federal law, debt collectors may not:
- Call you other than between 8 am and 9 pm;
- Contact you excessively;
- Threaten you or your family with harm;
- Contact your employer or associates to discuss debt;
- Impersonate an attorney, police officer or government official;
- Misrepresent the amount you owe to include their fees;
- Use obscene or abusive language when communicating to you.
You can collect damages, including attorney fees, if a collection company has violated the FDCPA or Michigan collection practices law. Meet with our Wayne County creditor abuse attorney to learn what we can do to stop this harassment and to seek compensation for you, which may be possible if the abuse or harassment is proven.