The Fair Debt Collection Practices Act is a wonderful asset that was designed to protect consumers from abusive and/or inaccurate debt collection. Debt collectors usually try to force you to pay a debt by putting it on your credit report, which makes it look like the debt is legitimately yours. They can also call you, send you things in the mail, and even file a lawsuit against you. Some debt collectors even resort to harassment to try to scare you into paying. The FDCPA makes it illegal for debt collectors to try and force you to pay off a debt that isn’t yours.
When a debt collector violates the FDCPA they have broken the law and can be sued and taken to Federal court. The outcome of the lawsuit can include having the debt removed from your credit report and forcing the debt collector from continuing to collect on the debt.
If you are experiencing a debt collector trying to collect a debt from you that isn’t yours, or if you are being harassed by a debt collector, and have questions or concerns, feel free to contact us through our website or by calling 205-879-2447.
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