Fair Debt Collection Practices Act (FDCPA)
Watch this video by dedicated Buffalo consumer protection attorney Seth Andrews, Esq. as he explains the fair debt collection practices act.
The Fair Debt collection practices act. The FDCPA is a federal statute that governs how debt collectors have to conduct themselves when trying to collect a debt. It prohibits unfair, deceptive, abusive, and harassing conduct on the part of debt collectors when trying to collect a debt.
In the event that a debt collector is found liable for violating the act, they can be subject to statutory and actual damages, as well as attorney fees. One example of a typical type of conduct that might violate the act is an instance where a debt collector contacts a third party about the debt that was not provided information from the alleged debtor to contact the third party. And the debt collector then goes on to disclose the existence of the debt.
On one particular occasion, I recall assisting a client that had a rather large credit card debt that a debt collector had contacted his parents and disclosed the existence of this debt to them and it caused a rift between the family members. It’s a really important aspect of the act to make sure that people’s privacy are protected.
If you have any questions about the Fair Debt Collection Practices Act or you’ve been contacted by a debt collector, please give us a call.
At The Law Offices of Kenneth Hiller, PLLC, our attorneys are dedicated to protecting the rights of consumers. We have successfully helped thousands of clients protect their rights against creditors, collection agencies, or other businesses. For a free consultation with an experienced consumer protection attorney, contact us today.