Fair Debt Collection Practices Act (FDCPA)
Know Your Debtor's Rights
The Fair Debt Collection Protection Act was added in 1978 as part of the Consumer Protection Act. It was written to protect consumers from abusive debt collection actions and to promote fair debt collection which includes protection against deceptive credit practices; and, to provide the means for debtors to dispute debt and obtain accurate information to validate debt.
As a member of the National Association of Consumer Advocates, The Tariq Law Firm, PLLC. has been defending consumer's rights in the matter of debt collection and providing effective ways to improve their financial condition. A debt collection defense attorney from our office can assist you if you believe that your rights have been violated. Do not hesitate to consult with us. These matters only get more complex , stressful and more time-consuming to solve if you wait to take action.
The FDCPA protects you from many abusive actions, such as:
Only contacting you by phone between the hours of 8:00am and 9:00pm.
Communicating with you after written request has been made for validation of the debt (made within the 30 day validation period) and before they have mailed the proper documentation to you
Repeated and continuous calling with the intention of abusing, harassing or annoying the person at the number called
Abusive or profane language
New York City Debt Collection Defense Attorney
The Tariq Law Firm, PLLC. has been able to use the FDCPA to help many people who have been abused by threatening creditors and collection agencies. When you retain our services, notification will be sent to any and all collections groups. By law, they are not allowed to contact you once they have been notified you have retained legal counsel.