Regardless of how much money you owe, your rights as a consumer are still protected. The Fair Debt Collection Practices Act (FDCPA) is a federal law intended to help guard you from illicit and harmful debt collection activity. The law can be a powerful ally. As your attorney, I can bring aggressive collectors to justice.
Know Your Rights
Debt collectors are either agents or lawyers acting on a creditor’s behalf to collect a debt. They are not allowed to:
- Threaten you with lawsuits, garnishments, liens or arrest
- Leave abusive phone messages on your answering machine
- Call neighbors, friends, or family
- Yell, insult, or swear at you
- Call your workplace after you tell them not to contact you at work
If you have been subject to any of the above actions, then you may qualify for compensation. Abusive collectors are subject to a $1,000 fine for unlawful behavior in addition to compensating your court costs and attorney fees. Additional injuries suffered as the result of illegal debt collection action can also be reimbursed.
Compensation for Injuries Resulting from Illegal Debt Collection Action
If you suffered financial, physical or emotional harm due to illegal collection attempts, then a Pennsylvania court may force the debt collector to compensate you. Emotional damages range from loss of happiness, loss of energy and loss of sleep, to tension headaches, crying spells and marital problems. FDCPA also gives you the right to pursue punitive damages.
Reserved for remarkable cases where a collector crosses the line, punitive damages help keep collectors from repeating their crimes when they pursue collection attempts with other individuals. If a debt collector made serious threats, such as threatening jail, having your children taken or deportation, they may be subject to punitive damages on top of compensation for harm.
Your Consultation with Us
As a longtime defender of consumer rights, I empathize with your situation. I want to help. In our consultation, I will bring my extensive experience to bear, asking the right questions to discover the true extent of the damage. I provide honest counsel, and I ask the same assurance in return – honest answers.
I can help any consumer who is currently in collections, or has suffered from collection harassment. For a free consultation on your next financial decision, call (215) 854-6342.
- Fair Debt Collection Practices Act (FDCPA)
- Fair Credit Reporting Act (FCRA)
- Pennsylvania’s Consumer Protection Law
- PA Law Help
- Pennsylvania Attorney General –Office of Consumer Advocate
- Federal Trade Commission –Bureau of Consumer Protection
- U.S. Department of Housing and Urban Development
- Consumer Bankruptcy Assistance Project
- The National Association of Consumer Bankruptcy Attorneys
- The National Association of Consumer Advocates