Using the FDCPA to Turn the Tables on Your Debt Collector
Debt collectors break the law in many ways. They call early in the morning or late at night. They call you at work after you told them not to. They add illegal charges to your debt. They try to collect debts from people that don’t owe them. They call your relatives, friends, even your employer, when they already have your contact information. It can feel overwhelming and embarrassing.
Debt collectors also break the law in ways that people don’t even realize are illegal. They try to collect more than is owed. They don’t notify you of your consumer rights in letters to you. They do and say things meant to confuse you, such as saying you owe one amount while reporting a different amount on your credit report.
They may also:
The list goes on and on and on. And many people don’t know what’s legal or illegal, or what to do to make it stop.
When a debt collector is behaving badly, we can help.
Is a Debt Collector Doing Something It Shouldn’t? You Have the Right to Sue Under the FDCPA.
The FDCPA is a federal law that tells debt collectors what they can and cannot do. If a debt collector violated the FDCPA, we’ll turn the tables on them by filing a lawsuit in federal court.
How much compensation? According to the FDCPA, winning your case means that a debt collector must pay up to $1,000 in statutory damages along with your attorneys’ fees. And you might even get compensation for other out-of-pocket costs and emotional distress.
Take the Next Step. Schedule Your Free Consumer Protection Evaluation.
Ignoring a debt collector doesn’t make them go away. In fact, ignoring and delaying your situation will only make things worse.
The best way to take powerful action to protect your rights? Contact an attorney. If you’ve been contacted by a debt collector or debt collection lawyer, call the Chicago Consumer Law Center, P.C. today at 312-858-3240 to schedule a free Consumer Protection Evaluation, or schedule an appointment online.
Oftentimes people don’t realize that the actions of debt collectors or their lawyers are illegal. Before your scheduled Consumer Protection Evaluation, we will dig deep to see if the debt collector or their attorneys violated the FDCPA. During your free Consumer Protection Evaluation we will discuss the results of our investigations and advise you of a plan of action to protect yourself. And we can take action to get those upsetting collection phone calls and letters to stop.