FDCPA - Fair Debt Collection Practices Act

Has your lender violated FDCPA law in attempting to collect mortgage payments?

The Fair Debt Collection Practices Act (FDCPA) is a set of laws that govern the practices of lenders and third party collection agencies that are seeking to recover a debt.  Specifically, it is meant to protect consumers from harassing or abusing tactics that may be employed by those intent on recovering money that they are owed.  Some of the primary rules contained in the act dictate that a creditor cannot:

• Attempt to contact a debtor by telephone between the hours of 9 pm to 8 am
• Call a debtor repeatedly in order to harass or frighten them
• Threaten legal action against a debtor if the creditor does not actually intend to take this action
• Use profane or abusive language when speaking to a debtor
• Threaten a debtor with arrest at any point
• Call a debtor at their place of work, after their employer has expressly forbidden creditors to do so
• Contact family members or associates of the debtor in an attempt to collect on a debt

My name is Rex Powell, and I am a Cape Coral foreclosure defense lawyer that protects the rights of those facing home foreclosure.  If your home loan lender has violated the FDCPA in their attempts to collect missed mortgage payments, then it is highly beneficial to you to contact my offices today.  I will assist you in taking legal action against the responsible parties in an effort to get the harassment or abuse stopped for good.

Cape Coral Foreclosure Attorney

As a consumer and a homeowner, you have certain inalienable rights, and among these include the right to be free from harassment or abuse at the hands of creditors.  You also have the right to take legal action against those who have violated consumer protection laws in pursuing you for a debt, in order to obtain restitution for the mental and emotional suffering you have endured.  Hiring a competent attorney can give you the legal edge needed to secure a favorable outcome in your FDCPA violation case.