FDCPA Lawyer
What an FDCPA Lawyer Can Do for You | Consumer Rights Law Firm PLLC
Understanding the Role of an FDCPA Lawyer
At Consumer Rights Law Firm PLLC, we are dedicated to protecting consumers from unfair, deceptive, and abusive debt collection practices. Under the Fair Debt Collection Practices Act (FDCPA), consumers have rights that debt collectors must respect. If a debt collector has violated your rights, an FDCPA lawyer can help you fight back and seek justice.
What is an FDCPA Lawyer?
An FDCPA lawyer is an attorney who specializes in consumer protection laws related to debt collection. Their primary role is to ensure that debt collectors follow the law and do not engage in illegal collection tactics. If you are experiencing harassment, threats, or other unfair treatment from a debt collector, an FDCPA attorney can step in to protect your rights and take legal action on your behalf.
What Does an FDCPA Lawyer Do?
An FDCPA attorney provides legal representation for consumers facing abusive debt collection tactics. Their services include:
Stopping Harassment and Abuse
Debt collectors cannot:
Call repeatedly or excessively (more than 7 times per day is considered harassment).
Use obscene, profane, or threatening language.
Call you before 8:00 AM or after 9:00 PM.
Contact you at work if you’ve told them not to.
An FDCPA lawyer can send a cease-and-desist letter to demand that the collector stop contacting you immediately. If they continue harassing you, the lawyer can take legal action against them.
Holding Debt Collectors Accountable for Violations
If a debt collector violates the FDCPA, they may be required to pay damages up to $1,000 per violation. You could also recover compensation for emotional distress and financial harm caused by illegal debt collection practices.
An FDCPA lawyer can:
Gather evidence of violations (phone records, voicemails, letters, etc.).
File a lawsuit against the debt collector.
Negotiate a fair settlement on your behalf.
Verifying and Disputing Debts
Debt collectors must provide a written notice of your debt within five days of first contacting you. This notice must include:
The amount of the debt.
The name of the original creditor.
Your right to dispute the debt within 30 days.
If you dispute the debt in writing, the collector must stop collection efforts until they verify the debt. An FDCPA lawyer can handle the debt validation process for you to ensure the collector provides accurate documentation.
Preventing Legal Action Against You
If a debt collector is threatening to sue you, an FDCPA lawyer can:
Review the case for legal defenses.
Challenge incorrect or fraudulent debts.
Stop unlawful wage garnishment.
Many lawsuits filed by debt collectors rely on lack of documentation or expired debts (past the statute of limitations). A lawyer can challenge these claims and protect your financial well-being.
Negotiating Settlements and Reducing Debt
An FDCPA attorney can also help you negotiate with creditors to:
Reduce the total amount owed.
Set up manageable payment plans.
Settle a debt for less than what’s owed.
Unlike debt settlement companies, FDCPA lawyers provide legal protection and ensure your rights are not violated during negotiations.
Why Choose Consumer Rights Law Firm PLLC?
At Consumer Rights Law Firm PLLC, we have years of experience fighting against unfair debt collection practices. We offer:
- Free Consultations – Learn about your rights with no obligation.
- No Upfront Legal Fees – Under the FDCPA, the debt collector pays attorney fees.
- Aggressive Legal Representation – We fight to hold debt collectors accountable.
- Personalized Strategies – Every case is unique, and we tailor our approach to your situation.
Take Action Today – Stop Debt Collector Harassment
If you are experiencing harassment from debt collectors, don’t wait to take action. You have rights, and we can help you enforce them.
Call us today at 877-700-5790
Chat with us in the lower right-hand corner of this page
Email us for a free case evaluation