Under the FDCPA, or Fair Debt Collection Practices Act, there are certain requirements.
One of those requirements is a legal term, “consumer.”
“What exactly is a consumer?”
A consumer under the FDCPA is a human being.
It is (normally) not a company or entity.
The FDCPA protects human beings who are dealing with abusive debt collectors.
This makes sense as the typical type of abuse that we see is particularly threatening and harmful to consumers, not to large companies. Debt collectors will lie on credit reports or call your ex mother in law, etc. Things designed to hurt you so that you will pay.
You may owe the debt — doesn’t mean its right to take a baseball bat to your knees. And there are some consumers who pay debts they don’t owe just to get the abuse to stop.
If you’re dealing with an abusive debt collector, call us at 1-205-879-2447 to go over your options.
We will help you decide your plan of action.
Have a great day!