Minnesota Conversion Attorney

What Are My Rights Under The FDCPA Law?

Consumers enjoy broad protections under the federal Fair Debt Collection Practices Act (FDCPA). If a consumer believes abuse has occurred, contact our law firm, Tarshish Cody PLC to learn what your rights, including compensation, may be. Call and speak to our attorneys at 952-295-3935 if you believe a debt collector has done any of the following:

  • Engaged in intimidation by threatening to contact friends, or relatives
  • Called during inconvenient times
  • Lied about the debts claimed to be owed
  • Threatened criminal charges or implied jail was a penalty for non-payment
  • Made threatening or harassing comments
  • Made threats to sue without real intent
  • Contacted parents, siblings, relatives, employers, co-workers, about the debt
  • Persisted in collection calls after promising to stop
  • Made false statements or allegations in writing
  • Engaged in any attempts outlawed by the FDCPA law

Our attorneys can explain to you why your rights are more limited against actual creditors who may contact you, as compared to debt collection agents hired to collect debts. However, the FDCPA laws do apply to debt collection attorneys.

The FDCPA allows $1000 damages against debt collectors for a statute violation, in addition to damages and attorney’s fees. Medical or psychological trauma, and direct financial loss such as improperly lowered credit scores are some examples of recoverable claims.

Consumers should understand that often debt collectors work from calling lists, and are offered bonuses for successful collection attempts. That should suggest they are incentivized to be aggressive and obnoxious. The company employing these debt collection agents often overlook FDCPA infractions in an attempt to collect money.

An FDCPA Attorney Can Help

The law firm of Tarshish Cody PLC understand the legislation and recent rulings handed down based on the law. Our attorneys can help consumers who have had collection agents violate the FDCPA law. Money claims have been awarded based on trauma resulting from aggressive debt collection tactics, including medical and psychological treatments. With the 2008 financial crisis, many consumers who have experienced overdue debts may not be aware of their rights to sue for damages.

Call Tarshish Cody PLC and talk to an attorney for a free initial consultation if you are not certain if your rights have been violated. We welcome your call today at 952-295-3935 (or fill out the free case evaluation form below) to help you through the legal issues of your Conversion case.

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