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Fair Debt Collection Practices Act

Are You Being Harassed by Debt Collectors?

If you are being harassed by debt collectors, you may be entitled to recover money damages under what is known as the Fair Debt Collection Practices Act (FDCPA).   The FDCPA protects consumers against harassment from  debt collectors. Harassment can take the form of telephone calls, recorded collection notices and other forms of improper collection tactics which are prohibited by the FDCPA.

Some examples of violations of the Fair Debt Collection Practices Act include the following:

-calls to your home or business at improper times

-collection of a debt in an amount in excess of what is owed or which has already been paid

-attempting to collect a debt after the statute of limitations has already passed for the collection of that debt

-call or messages to friends, family members or neighbors regarding the debt

-harassing and abusive collection calls

If you have have been the victim of abusive or harassing telephone calls or other communications from a debt collection, give us a call at (201) 507-6300.  Since the FDCPA is a fee-shifting statute, this means that if we are successful on your behalf, your attorney fees are paid for by the other side.  Therefore, there is generally, cost to you, and if there is no recovery, there is no fee.