Queens FDCPA Lawyer
We Help You Recover Money under the Fair Debt Collection Practices Act: (718) 340-3385
Dealing with debt is often stressful, for individuals and families alike. One thing they don’t have to put up with is being harassed, intimidated, or deceived by collection agencies. The Fair Debt Collection Practices Act (FDCPA) prohibits certain activities by collectors and offers consumers remedies when their rights are violated. Our Queens FDCPA lawyer is here to fight for those being mistreated.
Call the Law Office of Seni Popat at (718) 340-3385 or contact us online today.
Your Rights Under the FDCPA
Violations of the FDCPA include calling consumers at work or at unreasonable hours, such as before 8:00 a.m. or after 9:00 p.m. The FDCPA also prohibits debt collectors from using abusive or harassing practices when attempting to collect a debt.
Examples of abusive treatment under the FDCPA include threatening violence, using profanity or obscene language, and making repeated calls with the intent to harass or annoy the consumer.
Debt collectors are further prohibited from disclosing private information about the debt to third parties, such as family members or employers. These abusive practices can cause emotional distress and anxiety for consumers and violate their rights under the FDCPA.
Deceptive tactics are something else that consumers are protected from under the FDCPA. Some examples of prohibited deception include:
- Misrepresenting or lying about the amount or status of debt
- Threatening to take legal action they lack the authority to take, including arrest.
- Falsely claiming to be attorneys or government representatives.
- Threatening to report false information to credit bureaus or damage the consumer's credit score.
- The general use of deceptive language to mislead the consumer about the collection process.
The Law Office of Seni Popat can be reached by calling (718) 340-3385 or by using our online contact form.
Remedies for FDCPA Violations
Consumers have remedies available and our Queens FDCPA attorney can help pursue them. They include the following:
- Filing a complaint with the Consumer Financial Protection Bureau (CFPB), an agency that can investigate the matter and potentially impose fines or revoke the collector’s license.
- A consumer can send a cease and desist letter to stop a debt collector from contacting them. The debt collector must comply with this request, except to confirm receipt of the letter or if they plan to take legal action.
- Consumers can also bring lawsuits against debt collectors, suing them for damages, including emotional distress and attorney fees.
- Consumers can contact their state's attorney general office to report any violations of state laws that regulate debt collection practices.
Don’t Let Your Rights Be Violated
Working to pay debts down is hard enough and stressful enough without getting your rights trampled. Our Queens FDCPA lawyer will fight to protect you and obtain as much relief as is available under the law. Call us at (718) 340-3385 or contact us online today to schedule a consultation.
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