When you are deep in debt, it can be hard to get back on your feet again. Whether you lost your job or had an injury or medical emergency that caused your debts to pile up, you might be living in fear of harassment from debt collectors.
Protecting Your Rights Against Unfair Debt Collection Practices
While creditors have the right to collect the money they are owed, they must abide by the law. Debt collectors sometimes breach the laws regarding consumer rights and cause undue stress in the process. If you need help with debt collection services, Agruss Law Firm is who you can turn to for help.
Defending Consumers Against Unfair Debt Collection Practices
Who does Agruss Law Firm collect for? At Agruss Law Firm, debt harassment by creditors and debt collectors that violates consumer rights will not be tolerated. Helmed by Mike Agruss, the law firm’s services are devoted to helping consumers protect their consumer rights through debt collection harassment defense.
Visit the Agruss Law official site, read Michael Agruss reviews, and continue reading to find out more about your consumer rights and the actions by debt collectors that violate the laws.
Overview of Debt Collection Practices
If you have fallen behind on credit card or loan payments, the creditor may turn to a debt collection agency to recover the money you owe. Even a partial payment or formulating a plan to pay the debt back may suffice.
While debt collectors are allowed to contact you, there are specific requirements they must follow to avoid harassment and violating consumer rights laws. It is important that you understand these rights and how to take action in the event that you are being harassed for your debt.
Understanding Your Consumer Rights Under the Fair Debt Collection Practices Act (FDCPA)
The Fair Debt Collection Practices Act (FDCPA) is a federal law that was created to protect the rights of consumers. It prohibits abusive behaviors and requires creditors and debt collectors to follow the rules and restrictions for collecting debts.
Among these restrictions, collection agencies are relegated to only contacting debtors at certain times of the day. They also can’t use deception, abuse, or other unfair practices. Instead, they must conduct themselves with transparency and uphold consumer privacy rights. Here is what debt collectors are prohibited from doing:
Lying
Debt collectors are not allowed to lie or deceive debtors in any way. This includes claiming to be from a law firm or a government agency. They can’t call to tell you they will arrest you or make up any other information such as how much money you owe or the function of any papers they send because they must conduct themselves honestly.
Standing Up Against Debt Collection Harassment and Deceptive Practices
At America’s Consumer Lawyer, a leading personal injury law firm in Chicago, protecting consumers from deceptive practices and debt collection harassment is a top priority. Debt collectors must follow the law, including the Electronic Fund Transfer Act, and cannot mislead a person about their account, financial obligations, or legal consequences.
If you’ve experienced violations, such as false claims or threats, their lawyers can help you take action. The firm has a strong track record of holding companies accountable, ensuring they respond appropriately to consumer rights laws.
Whether the issue involves credit reports, unfair debt collection tactics, or violations of consumer law, Agruss Law fights for compensation on behalf of affected individuals. If you’re dealing with aggressive calling from collectors, take advantage of their free consultation to understand your legal options and protect yourself from unfair business practices.
Making Threats
Along with the lies, debt collectors are prohibited from making any threats. They may try to tell you that you will be arrested, which violates Debt Collection Law. Another common threat made by unsavory collections agents is that they will seize or sell your property or have your wages garnished. While those actions can happen, there are certain legal steps they must take to make you aware of them and they can’t make empty threats to scare or harass you.
Providing Fake Information
The laws also forbid debt collectors from putting false information on your records. They can’t misrepresent themselves either. If you receive documents from them, contacting Agruss Law Firm can help protect you by validating the legitimacy of these items.
Engaging in Unfair Practices
Under Debt Collection Law, debt collectors are also not allowed to add other charges to the amount that is owed, such as interest or fees unless the initial contract signed by the debtor has stated this or state law permits it.
How Agruss Law Firms Assists Clients in Dealing with Debt Collectors
When debt collectors become overzealous, it can lead to added stress that threatens to disrupt other areas of your life. While creditors may have a right to collect debts, they must abide by consumer rights and avoid harassing or deceiving debtors.
Agruss Law Firm uses legal expertise, strategic tactics, and consumer rights education to take a multifaceted and proactive approach to resolve legal challenges for consumers. Using a contingency fee model, clients don’t need to worry about accumulating more debt as they enact their rights.
This accessibility to legal services ensures reduced stress during a time when you may feel like there is no way out. When you are being harassed by aggressive callers, you need an advocate who can address financial issues and emotional abuse to restore security and privacy to your world.
With every case, Agruss Law Firm aims to make debt collections more ethical and consumer-friendly. If you are in debt, contact Agruss Law Firm to learn more about your consumer rights and the next steps to take.
