What you may not know are your rights regarding what the debt collectors can do when attempting to reach you. The full Act can be seen on the U.S.
Giving hope to hopeless since 2007

84% Clients satisfied
In the last 7 years

Watch 342 live reviews
Know why people trust us

Satisfaction Guarantee
No Result Refund Policy

We follow FTC
Since we care for you

Maintaining Your Rights with Respect to Debt Collectors
Average: 4.4 (7 votes)
 Article    Disqus 
Wiki Article Picture: 
Maintaining Your Rights with Respect to Debt Collectors

Let's face it - a lot of debt collectors aren’t really in the habit of being nice or respectful. If you have ever been late on a credit card payment or a loan payment you will know that these collectors will call you day and night to pester you about paying your overdue bill. What you may not know are your rights regarding what the debt collectors can do when attempting to reach you.

The Fair Debt Collection Practices Act (FDCPA) is a Federal Law that governs the practices of debt collectors. It includes such provisions as requiring debt collectors to inform the consumer that they are attempting to collect a debt, refraining from threats or obscene language, giving you false information about what might happen to you, and many other provisions. The full Act can be seen on the U.S. FTC website - http://www.ftc.gov/os/statutes/fdcpa/fdcpact.shtm

Many times whomever the debt is owed to will sell the debt to companies that are in the business of collecting debts. Often these are law firms and these are the same law firms that will commence a lawsuit against the debtor. Therefore the communications the debtor will have will be with a law firm. The debtor should take careful note of the actions of these law firms and collection companies, because if it is believed that they are violating the FDCPA, it can help in defending a collection lawsuit, or a new lawsuit could be instituted against the debt collectors. Just recently, a prominent debt collection law firm entered into a class action settlement in Federal Court because of alleged violations of the FDCPA. Remember this the next time you are being bothered by a debt collector.

Latest Articles

Creditors vs collectors - Who can do what to debtors?

FDCPA can't be enforced on the creditors who’re contacting the debtors to collect their own debts. There are lots of misconceptions about what a creditor can do and can’t do against a debtor. If you’re thinking that the numerous calls that you’re getting from the persons are your ...

View more »
Latest answers

Need Advice on Installment Loans

This all started with one payday loan and now i'm up to my eyeballs in debt and desperate for help. I live in California. I have an installment loan from check n go for $5000. Another from Ace Cash Express for $3000, Net credit for $3000 and Rise for $2750. I need serious help. Is ...

View more »
Latest from blog

The vibrant fall season: 5 Ideas to enjoy the getaways with ...

The season "fall" is the most colorful time of the year. Most of the places are surrounded by the beautiful shades of vibrant colors and some are beautifully covered with the rolling vineyard. Conventionally, this colorful foliage season is ideal to have some outdoor fun with family. ...

View more »

The services of Oak View Law Group (OVLG) and its affiliates may not be available in all states. OVLG along with its Of Counsel attorneys may also be referred to as "Oak View Law Group", "we", "us" or "the firms".
Copyright © 2015 Oak View Law Group
Contact us at:-
Oak View Law Group APC
4966 El Camino Real STE 225, Los Altos, CA 94022, United States

Disclaimer: The contents of this web site are not intended to establish an attorney-client relationship, provide the reader with legal advice, or substitute for legal advice from an attorney.
  • The debt settlement program typically lasts between 6 months to 4 years time.
  • At least 30% of the debt amount per creditor needs to be accumulated in the trust account for OVLG to give the creditor any settlement offer.
  • Not all creditors or debt collectors will accept a reduction in the balance, interest rate, or fees a customer owes such creditor or debt collector.
  • Pending completion of the represented debt-relief services, the customer's creditors or debt collectors may pursue collection efforts, including initiation of lawsuits.
  • That the use of the debt-relief service will likely adversely affect the consumer's creditworthiness, may result in consumers being sued by their creditors, and may increase the amount owed to creditors as a result of the accrual of additional fees and interest.
  • Savings a customer realizes from use of a debt-relief service may be taxable income.

Report bug/Send feedback
Chat Live!