Springfield FDCPA Lawyer

If you have not paid your debt within six months, the original lender will write off the debt and close the collection file. In many circumstances, the unpaid debt is then sold from the original lender to the third party collection agency. When a third party collector attempts to get payment for the overdue debt, there are laws in place that protect debtors.

In 1977, Congress recognized the need for consumer protection from collectors who were threatening, coercing and even physically harming the debtors. The Fair Debt Collection Practices Act was created in an effort to prohibit debt collectors from using aggressive methods to get debtors to pay the debt. That doesn't mean that debt collectors no longer violate the protections provided for in the FDCPA.

When debt collectors violate the rules in the FDCPA, you need attorney Angela Acree at the Consumer Law Clinic, a division of the Bankruptcy Clinic, LLC. She evaluates the violations to determine if you have a claim against the debt collector and will pursue all possible causes of action against debt collectors. Contact our law firm today to speak to a skilled FDCPA lawyer who will protect you from debt collectors.

FDCPA Goals and Purposes

When Congress decided to establish the FDCPA, they learned of countless stories of significant harassment endured by debtors who were unable to pay their debt. The harassment included threats of violence against them and their family, calling their workplace, family and friends about the unpaid debt and otherwise wreaking havoc in the debtor's life. Sadly, collection agencies and other debt collectors still engage in these types of harassment today. Since 1977, the FDCPA is a strong law that protects debtors.

Even if you think that you can't afford an attorney to get the debt collectors to stop harassing you, we can help. The FDCPA is a fee-shifting statute, meaning that the fee for your attorney shifts to the unlawful debt collector if you win your case. Also, as an advocate of consumer rights, lawyer Acree charges a small flat fee for the defense of the collection because of FDCPA violations.

FDCPA Violations

For more information on the types of violations considered unlawful by the FDCPA, see FDCPA violations. The violations listed on this page are not exhaustive of all the types of violations that are illegal under the Act. Instead, it is important to consult with our knowledgeable lawyer to determine the strength of your defense against debt collection harassment.

Contact our law firm the Consumer Law Clinic or call us at 417-8NO-DEBT to discuss violations of the federal act FDCPA. We can help you when you are struggling with financial distress and are being harassed by debt collectors. Don’t wait, contact us today.