The Federal Debt Collections Practices Act (FDCPA) is a federal law that protects the consumer's rights and ensures fair debt collection
. An FDCPA attorney can help you in settling your debt.
Debt collectors can harass you if you are not aware of your rights in FDCPA. Engaging an FDCPA Attorney will take away the tension in your life due to the debt collectors' harassment.
Calling repeatedly for a real or non existent debt is tantamount to harassment. A debt collector cannot call you repeatedly, use profane language, call at inconvenient times, call after you have informed him not to call or sent a letter not to call. He cannot call you at your workplace or any third party to discuss about your debt. All these are violations of the FDCPA and are punishable under law.
If you engage an FDCPA attorney he will fight the above harassment to ensure a peaceful life for you. He will assess your case, file a complaint, and sue the debt collector for the damages. An FDCPA Attorney can advise you on the exact nature of the debt. Sometimes you may be harassed for an already paid debt or a false debt and an FDCPA attorney can find out the truth of the debt and can plan a course of action.
You don't have to go through the trauma of calls from debt collectors. You can avoid the health issues that are usually caused by harassment. Engaging an FDCPA attorney can add years to your life.