FCPA Lawyer St. Louis, MO
FDCPA Lawyer St. Louis, MO. Consumers have rights, and it's our job to provide consumers with experienced legal representation in the case that they've been harassed by debt collection agencies. The Eason Law Firm is a St. Louis-based firm that serves both Illinois and Missouri victims of debt harassment. Under the FDCPA, or Fair Debt Collection Practices Act, you as a consumer have rights regarding how, when, and why collection agencies reach out for payments on debts (if they're debts at all). Don't hesitate to contact our firm today if you've been bothered or accused of a crime because of an overdue debt.
What Is FDCPA?
The Fair Debt Collection Practices Act, commonly referred to as the FDCPA, is a federal law whose sole purpose is to prevent the abuse of consumers at the hands of collection agencies. Specifically, the FDCPA aims to eliminate abusive debt collection practices, to ensure 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 invasion of individual privacy. Our consumer protection and FDCPA lawyers in St. Louis, MO, fight for consumers and are here to help.
It is the purpose of the FDCPA to eliminate abusive debt collection practices, to ensure 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 FDCPA Protect Me?
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.
Common FDCPA Violations
There are a number of things debt collection agencies can do that potentially violate the FDCPA. Below is a brief outline of common violations that consumers should look out for. If any of these things happened to you, get in touch with one of our FDCPA and consumer protection lawyers now.
- If you receive calls before 8 a.m. or after 9 p.m., at work, or if you're called multiple times.
- If a third-party (such as your parents, a spouse, etc.) gets called because of a debt you owe.
- If anyone else is informed that a collector is coming after you (especially multiple times).
- If you're contacted after you've written a letter to stop, you should get in touch with an FDCPA lawyer right away.
- Deceptive methods (lying, especially) are against the FDCPA as well.
- When a collector threatens a lawsuit and doesn't go through with it, that's another violation.
- Collectors can't garnish your wages until a suit is filed.
- If a debt collector swears, overreacts, or is otherwise rude, you might have a lawsuit.
Contact an FDCPA Lawyer Today
If you're in St. Louis or Illinois, the Eason Law Firm has your back if you've been harassed by debt collection agencies. We specialize in personal injury cases, consumer protection, and other claims that demand reimbursement for any damages. Feel free to contact our firm today for a case review and to learn more about FDCPA claims.