Have you ever heard of the The Fair Debt Collection Practices Act? If you haven’t, you aren’t the only one. Very few people have, including many individuals and families who are having trouble handling their debts.
But wait! Wouldn’t these people be among the few who do know about the FDCPA? Surprisingly, the answer is no. The fact of the matter is that this act is an underused tool, one that debt collectors hope you don’t know about. But ask anyone who offers advice on Debt Relief in Bethlehem PA, and he or she will tell you that it is indeed a valuable tool.
The FDCPA was designed to protect people from abusive and deceptive contact from debt collectors. This can include anything from harassing phone calls, to untrue threats, and everything in between. It also exists to protect people from the damage that can be caused by this abuse. What damage, you may ask? Here is a line straight from the FDCPA:
“Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.”
Yes, you may have outstanding debt. Maybe lots of them. And yes, it may be your fault. Or it may not be your fault. But none of that matters. What matters is that debt collectors do not have the right to threaten or verbally abuse you, no matter how much you owe. This is where the FDCPA comes into play.
With the FDCPA, you can sue debt collectors for abusive or deceptive contact. It’s that simple – they can’t act that way, and you have the right to sue them if they do. How the process works can be best explained by lawyers who offer Debt Relief in Bethlehem PA. The purpose of this article is to inform you that there are options for getting debt collectors to back off.
Of course, you’ll still need to take care of your debt problems. Your FDCPA lawyer can not only help you stop the harassment from debt collectors, but can help you find assistance in dealing with your debts.