What Are My Consumer Rights Under the Fair Debt Collection Practices Act?
If you’re facing constant calls, letters, and threats from debt collectors, you are not alone. Many individuals in Atlanta, GA, and throughout the CSRA (Central Savannah River Area) experience the stress of dealing with debt collection efforts. However, many people are unaware that they have legal rights under the Fair Debt Collection Practices Act (FDCPA) — and they don’t have to tolerate harassment or abusive collection tactics.
At Boudreaux Law Firm, we are dedicated to assisting individuals and families in Atlanta and the CSRA in understanding their rights and protecting themselves from unfair debt collection practices.
Your Rights Under the FDCPA
The FDCPA is a federal law enacted in 1977 to protect consumers from abusive, deceptive, and unfair debt collection practices. It applies to third-party debt collectors attempting to collect debts related to personal, family, or household expenses.
What protections does the FDCPA provide?
Under the FDCPA, debt collectors are prohibited from:
- Harassing or threatening you
- Using obscene or abusive language
- Calling repeatedly with the intent to annoy
- Contacting you before 8:00 a.m. or after 9:00 p.m.
- Misrepresenting the amount you owe
- Threatening legal action they cannot take
- Disclosing your debt to third parties without your permission
Can a debt collector contact my family or employer?
Debt collectors may contact other people only to obtain your contact information but cannot discuss your debt with them. They are prohibited from disclosing the details of your financial situation to family, friends, or employers.
How can I stop creditor harassment?
You can stop debt collectors from contacting you by:
- Notifying them in writing to cease communication.
- Hiring an attorney.
- Filing for bankruptcy
Once a debt collector is informed that you are represented by an attorney, they are legally required to communicate only with your lawyer. Plus, when you file for bankruptcy, an automatic stay goes into effect, immediately halting all collection activities, including phone calls, letters, lawsuits, and wage garnishments.
What should I do if a debt collector violates the FDCPA?
If you believe a debt collector has violated your rights under the FDCPA, you can:
Document the violation.
- File a complaint with the Consumer Financial Protection Bureau (CFPB) or your state attorney general’s office.
- Consult an experienced consumer protection attorney.
We Can Help You Protect Your Rights
At Boudreaux Law Firm, we understand the stress and anxiety that come with debt and collection efforts. Our experienced legal team proudly serves clients in Atlanta, Augusta, and the greater CSRA region. We can help you:
- Put an end to creditor harassment
- Assert your rights under the FDCPA
- Explore your options, including bankruptcy protection, to get a fresh financial start
Contact Boudreaux Law Firm today to schedule a consultation and learn how we can help you regain control of your financial future.
Posted on behalf of Boudreaux Law Firm
493 Furys Ferry Rd
Augusta GA 30907
