What is FDCPA Law?

fdcpaThe Fair Debt Collection Practices Act (FDCPA) is an important piece of consumer legislation that every American over the age of 18 should know about if a debt collector contacts them. According to the Lynnwood WA consumer rights lawyer at the Law Office of Boris Davidovskiy P.C., the FDCPA makes it illegal for a debt collector to employ unfair, abusive or deceptive practices when attempting to collect a debt.

A wide range of debts are covered by the FDCPA. Just some of those debts include credit cards, medical bills, auto loans and even student loans. Business debts are not typically covered by the act.

Although a debt collector may contact you in attempts to collect a debt, the law doesn’t allow the debt collector to contact you in the middle of the night. In fact, the debt collector is prohibited from contacting you before 8:00 a.m. or after 9:00 p.m. unless you authorize it. If you aren’t allowed to receive personal calls at work, the debt collector can’t contact you there either.

There are ways of stopping a collection agency from contacting you. It’s strongly recommended that you do so by certified mail, return receipt requested. Before mailing it, make a copy of your letter and tape a copy of your payment receipt to it. When your “green card” showing delivery of your letter arrives, tape that to the copy of your letter too. You should also contact our offices to arrange for a consultation if you believe you have been a victim of abusive debt collection practices.

If you live in or around Lynnwood, and you believe that unfair or deceptive debt collection practices are being used against you, contact the Lynnwood WA consumer rights lawyer at the Law Office of Boris Davidovskiy, P.C. The law prohibits debt collectors from engaging in such practices. We can put an end to that.