Stop Abusive Debt Collection With A Consumer Protection Lawyer
Debt collectors get away with a lot because most people do not know their rights. Collection calls, threats and repossessions are stressful, and have the capacity to disrupt our sleep, well-being and the rest of our lives. Fortunately, there are laws to protect us. You can stop abusive debt collection practices.
Get help from consumer rights attorney Tommy Lyons at Consumer Justice Center P.A. Since 1996, Tommy has been a dedicated advocate for people being bullied by debt collectors. From our law offices in Vadnais Heights, we represent clients throughout Minnesota and the United States.
Which Laws Are In Place To Protect Consumers?
In the United States, all consumers are protected by the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from engaging in unfair or unconscionable practices. The FDCPA applies to debt collectors, which are companies that attempt to collect money on behalf of creditors.
Consumers are also provided protections by the Telephone Consumer Protection Act (TCPA), which places restrictions and limitations on when and how debt collectors and telemarketers can communicate with consumers via automated and prerecorded calls.
What Debt Collectors Cannot Do Under The FDCPA
While you may feel in your gut that the way a debt collector is treating you is wrong, it can be difficult to know when they are crossing the line and breaking the law. Under the FDCPA, debt collectors cannot use the following actions to recover debts:
- Abusive language
- Threats
- Intimidation
- Deceptive tactics
- Harassment such as repeated phone calls
- False representations
They also may not attempt to collect more than the actual amount of debt. Additionally, the law forbids them from misrepresenting themselves as attorneys or law enforcement officials. By adhering to these guidelines, the FDCPA aims to protect consumers from abusive and unfair debt collection practices.
Another way that people are frequently abused is by wrongful repossession of a vehicle. This can happen in a few ways to individuals who either fall behind on car payments or whose financing falls through after purchasing a vehicle and signing a conditional sales rider.
Get Help From Experienced Consumer Protection Attorneys
You do not need to tolerate abusive debt collection. Stop debt collectors from beating up on you. Get help from a lawyer at Consumer Justice Center P.A. today. Call 612-200-1495 in the Twin Cities, throughout Minnesota and The U.S. You can also send us an email.