Fair Debt Collection Practices Act (FDCPA)

The Fair Debt Collections Practices Act, commonly referred to as the FDCPA, is a Federal law that’s sole purpose is to prevent the abuse of consumers at the hands of collection agencies. Specifically, the FDCPA to eliminate abusive debt collection practices, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State and Federal action to protect consumers against debt collection abuses. There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to personal bankruptcies, marital instability, unemployment, and to invasion of individual privacy.

It is the purpose of the FDCPA to eliminate abusive debt collection practices, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State and Federal action to protect consumers against debt collection abuses.

The time allowed by law in which you may file a lawsuit after a violation of the FDCPA is limited. If you wait to contact an attorney, you may end up being barred by the statute of limitations from proceeding.

How Does the Fair Debt Collection Practices Act (FDCPA) Protect Me in St. Louis?

The Fair Debt Collection Practices Act (FDCPA) is a federal statute that regulates what a debt collector can and cannot do when it tries to collect on a debt. It prohibits a number of activities that unfortunately occur with some frequency all across the United States, including St. Louis, Missouri. Whether the collection agencies activities are in the form of a letter sent to your home, or a phone call to your cellphone or landline, the FDCPA governs it.

The Eason Law Firm is a has a proven track record of obtaining results in FDCPA matters. Contact The Eason Law Firm today for a consultation.