Bronx Creditor Harassment 
Attorneys

Have You Been Subject to Abusive Creditor Behavior? Call (718) 710-4111

Are you struggling with runaway consumer debt? Has your debt burden become overwhelming in the face of ongoing creditor harassment? If so, you need to become aware of basic protections afforded you under certain federal and state consumer protection laws. 

You do not have to be subjected to oppressive or deceptive tactics by collection agencies. You can stop them and, in some cases, you may even be eligible to collect monetary damages from agencies that have engaged in willful and repeated violations of these laws.

Find Out More By Contacting Our Firm

The Fair Debt Collection Practices Act

The Fair Debt Collection Practices Act is a federal law passed to protect consumers from unfair, deceptive, and harassing practices engaged by unscrupulous collectors of consumer debt. The law applies to most collection agencies. When you are contacted by a debt collector, the agency must follow certain legal rules. 

What Rules Must Debt Collectors Follow?

• For instance, after initially contacting you, the collector must provide in writing within five days how much you owe as well as to whom it is owed. 
• You then have a 30-day grace period in which you can dispute the debt or a portion of it in writing. 
• During this grace period, the debt collector must also provide you with the contact information of the original creditor if the current debt is owed to another entity.

What Is Prohibited by the Fair Debt Collection Practices Act?