Federal Fair Debt Collection Practices Act (FDCPA)
The Fair Debt Collection Practices Act offers protections to individuals who are in mortgage distress and at risk for losing their homes and individuals who are in debt and being harassed by debt collectors. If you are in either situation — facing foreclosure or being harassed by creditors and seeking relief — you may be able to find it through the Fair Debt Collection Practices Act.
Naples, Florida-based lawyer Celia Deifik assist clients in foreclosure defense matters. To learn about your specific legal options or for more information about the Fair Debt Collection Practices Act, contact us online to schedule a consultation.
The Fair Debt Collection Practices Act (FDCPA)
The FDCPA was passed in 1978 as an addition to the Consumer Credit Protection Act. The purpose of this act is to protect consumers by establishing guidelines for creditors in their collection efforts. Specifically, the FDCPA:
- Establishes acceptable hours of phone contact (between 8 a.m. and 9 p.m.)
- Requires creditors to notify the debtor of the right to dispute the debt
- Requires creditors to give verification of the debt if requested by the debtor
- Prohibits creditors from contacting a debtor known to be represented by an attorney
- Prohibits creditors from threatening arrest or using profane language
These and additional protections by the FDCPA can benefit you if you are a homeowner facing mortgage foreclosure. Our firm can help you understand the specific provisions that apply in your case if you have received a foreclosure complaint. Additionally, we can explain how these protections apply if you are a debtor who is seeking relief from creditor harassment.
Contact a Marco Island FDCPA Attorney
Learn more about commercial foreclosure and home foreclosure defense by contacting us online or calling 239-963-1791 or toll free 866-504-8981.