New Articles on the FDCPA and FCRA


We have several new articles on Alabama Consumer that we think you might enjoy reading — these articles address the FDCPA (Fair Debt Collection Practices Act) and the FCRA (Fair Credit Reporting Act):

**You can expect and have a credit report that is 100% accurate. No errors. If you don’t, then we hope the story of Susie, who fought Bank of America and Trans Union, will inspire you to not give up but instead — keep fighting, even if you have to sue. Suing the bad guys in federal court tends to end very well. And it will get your report to where it is 100% accurate.

**Debt collectors who threaten to call your family members violate the FDCPA (Fair Debt Collection Practices Act), especially the ones that actually do call your family. This is known as a “third party disclosure” when a debt collector calls your family members (other than your spouse). There is a very limited exception which most debt collectors don’t fit into — instead they call family members to harass you and bring pressure on you so that you will pay the debt. Even though this is illegal they do it because it works.

**Can you get punitive damages when you sue an abusive debt collector under the FDCPA? The short answer is “No” but if you sue, as normally you will, under Alabama state law, then punitive damages may be an option. Punitive damages are designed to punish the wrongdoer — the abusive debt collector — and to serve as a warning (deterrent) to all debt collectors to not abuse consumers in the same way ever again.

If there are articles you would like us to write or if you have any questions about your situation and you live in Alabama, call us at 205-879-2447 or contact us through our website. We look forward to hearing from you.

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