The debt collection industry is “big business” in our country. Unfortunately, there are many collectors that go too far in trying to recover past due amounts from consumers. If you are being harassed by debt collectors, it is important to know your rights and seek help if you are the victim of abusive tactics.
The Fair Debt Collection Practices Act (“FDCPA”) is a law created to protect consumers from harassment by debt collectors. No matter how much you owe or how long it has been since you made a payment, no debt collector has the right to harass or insult you.
What can you do? Below are a few steps to take to help preserve your rights and ability to recover compensation from creditors who violate the FDCPA:
- Take notes. Keeping a log of all the calls you receive from a debt collector can be helping in proving harassment. You should write down the date and time of each call. If you have caller identification, be sure to write down the telephone number and if known, the name of the person calling. If you speak to the caller, jot down notes regarding the conversation.
- Request validation. You have the right to request validation of the debt from the debt collector. The law requires the collector to send you validation of your debt within 5 days of the date they originally contacted you.
- End contact. In a polite but firm manner, tell the debt collector to stop calling you regarding the debt and end the call.
- Get help. If you believe your rights are being violated, contact a consumer protection attorney for assistance. If a court determines that the FDCPA or other law was violated, you could recover damages up to $1000, plus your court costs and attorney fees!
To learn more, contact the experienced legal team at DeLadurantey Law Office today! We routinely represent people in FDCPA actions and recover full and fair compensation for creditors who violate your rights.
The “defender of the little guy,” DeLadurantey Law Office, LLC. handles bankruptcy matters (Chapter 7 and Chapter 13) in Milwaukee, South Milwaukee, West Milwaukee, and Milwaukee County, including the municipalities of Bayside, Brown Deer, Cudahy, Fox Point, Franklin, Glendale, Greendale, Greenfield, Hales Corners, Oak Creek, River Hills, Shorewood, St. Francis, Wauwatosa, West Allis, and Whitefish Bay. The firm also can handle your debt negotiations, debt relief, and mortgage loan modifications. Contact DeLadurantey Law Office, LLC by phone: (414) 377-0518. Like us on Facebook.