At Higbee & Associates, we believe in consumer rights and are happy to represent those who have been harmed by unlawful business practices. With the current state of the economy more consumers are in debt than ever before. Although this situation can be stressful, you should know your rights so that you are not taken advantage of or further harmed through unlawful business practices by predatory companies.
The United States has a variety of laws at both the federal and state levels that regulate and protect consumer affairs. Some of the strongest laws in favor of the consumer are the federal Fair Debt Collection Practices Act, the Fair Credit Reporting Act, Truth in Lending Act, Fair Credit Billing Act, and the Gramm-Leach-Bliley Act.
The Fair Debt Collection Practices Act (FDCPA) is federal law designed to protect the CONSUMER from unfair tactics often used by DEBT COLLECTORS. If a DEBT COLLECTOR violates a rule by the FDCPA, the law often requires the DEBT COLLECTOR to pay the CONSUMER a statutory fine of up to $1000 in addition to any other damages caused to the CONSUMER by the DEBT COLLECTOR.
Some violations of the FDCPA include a debt collector calling a consumer at irregular times or inappropriate places such as the workplace, calling the consumer an inordinate number of times, calling the consumer with the intent to harass, calling the consumer and using vulgar or profane language, and using false or deceptive methods to collect a debt. These are just a few examples of violations that the consumer is protected against. Learn more about protection from debt collectors and how we can help your case.