Your Rights Under The Fair Debt Collection Practices Act
There are federal laws in place that protect consumers like you from unscrupulous debt collectors. The Fair Debt Collection Practices Act is a federal law that lays out certain things that debt collectors hired by third-party collection agencies can and cannot do to debtors in St. Louis, Missouri, and throughout the nation. Among other things, the debt collector cannot repeatedly call a consumer for the purpose of annoying that person. Some creditors use robocalls to accomplish this.
Taking Action To Stop Robocalls
If creditors call you repeatedly, it is possible that you are on the receiving end of a robocall. When calls are made via this manner, a computer is used in conjunction with an automatic voice dialing system to dial multiple numbers at once. When a live person is reached on the consumer’s end, a live person comes onto the line to speak with him or her.
When you make the choice to come to the attorneys at Donner Applewhite for help with creditors who are breaking the law, we will take the matter off your hands. Among other things, we will go through your debt collection notices to look for FDCPA violations. There are many activities besides robocalls that potentially violate the law and when they are found, the intent of the creditor does not matter. The victim of the violation is entitled to statutory damages. In addition, the debt that prompted the creditor action in the first place is removed from your credit report.
Contact Us For Debt Relief
We care about our clients and provide them thorough, detailed-oriented representation when fighting creditor harassment. The analysis of your situation is free so it is worth your while to contact us to learn whether the alternative to bankruptcy our lawyers provide will work for you. We can be reached online or at 314-656-8544.