Why You Need an FDCPA Lawyer

An FDCPA lawyer is a professional who specializes in the legalities related to the Fair Debt Collection Practices Act. This law requires all collection companies and other creditors to follow specific steps and rules for collecting money. If there is a violation, or you think there is a violation, you can speak to an attorney about the situation. He or she will guide you on what you can do and what you can expect from this type of harassment. Your financial state is one of the factors but there is also the importance of ensuring other people do not face the same abuses you do.

The Importance of an Attorney

There are some real benefits to hiring an FDCPA lawyer for this type of legal situation. The primary benefit of doing so is to learn if there was a violation and, if that is the case, what can be done about it. The initial meeting with the lawyer will provide you with everything you need to know to determine what your next step is. Since this is an area of the law where many people do not have a lot of knowledge, it is easy for violators to get away with their actions. However, you do not have to be a victim.

• Discuss the occurrences of any violations you think the creditor or collection agency has made. This may be in any area regarding the Fair Debt Collection Practices Act. The attorney can also guide you on what this act requires and what limitations it does put into place.

• You will find out what actions are inappropriate and are a violation of this law. For example, verbal abuse, threats and continuous calling are all actions that individuals should not be taking when they call you to collect on a debt. If you are facing these types of problems, now is the right time to do something about it.

• You may be entitled to compensation related to these violations. If someone has done something like this to you, the attorneys will work with you to determine if they are liable. If so, you could be awarded a significant amount of money or even have your debt wiped clean. It is worth talking to a professional about these situations.

When it comes to your rights, do not avoid talking to an attorney. An FDCPA lawyer will help you to determine if your rights were violated and what actions you should take to ensure they no longer are. You may find that it does not take a lot to make significant changes in the way any collector talks to you or interacts with you regarding this process.