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Common questions about the Fair Debt Collections Practices Act (FDCPA)

Debt collectors are notorious for their persistence. Sometimes, that persistence crosses the line into illegal debt collection practices. Federal law places boundaries and when, how and how often they can contact you.

At Schmierer Law Group, our attorneys stand up for consumers who have been targets of unfair debt collection practices. We are extremely knowledgeable about the intricacies of the federal Fair Debt Collection Practices Act (FDCPA) and have decades of experience helping consumers obtain compensation when their rights have been violated.

We aren’t afraid to stand up against bullies like debt collectors.

Read on for answers to common questions about the FDCPA.

What is creditor harassment?

The FDCPA makes it illegal for creditors to harass you by:

  • Threatening or intimidating you or engaging in other abusive practices
  • Repeatedly annoying or harassing you through repeated phone calls, texts or letters
  • Making false or misleading claims about what you owe or the consequences of nonpayment
  • Calling you in the early morning or late at night
  • Calling you at work if you’ve said you’re not able to take calls at work
  • Sending you spam texts from debt collection agencies that you didn’t opt into
  • Contacting you directly if you have an attorney

If you’re wondering whether a debt collector is violating the law, contact us. Our attorneys can advise you of your rights.

What if I keep getting calls for debts that aren’t mine?

Name similarities and changes in phone number can often lead to cases of mistaken identity. If creditors keep contacting you for debts that aren’t yours, inform them that they have the wrong person. If they keep contacting you, our lawyers can intervene on your behalf to put a stop to it.

What rights do I have if creditors have been harassing me?

If creditors or debt collection agencies have invaded your privacy and violated your rights under the FDCPA, you may have to bring legal action to put a stop to it. You may also have a claim for compensation. Contact our attorneys to get advice for your specific situation. We can let you know you whether you have a federal claim. We also handle cases involving predatory lending.

Find out if you have a claim for compensation for FDCPA violations

If you believe your rights have been violated or you would like to put a stop to collections attempts, contact us online or by phone at 888-811-8799. Headquartered in Mount Laurel, New Jersey, we handle FDCPA claims throughout the state as well as California and New York.