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Fair Debt Collection in Oklahoma City

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Nearly 40 years ago, the Fair Debt Collection Practices Act was put into place. This act was specifically created to protect the consumer from unfair, abusive, and dishonest collection actions. Today, the FDCPA still works as a strong hand in the defense of consumers, preventing debt collectors from overstepping their authority and limiting the behaviors they can engage in to try to collect their money. Not only does the act provide protection for consumers, but it also provides a legal avenue for debtors whose rights have been violated to take action and seek relief.

Have you been mistreated by debt collectors? Do you feel like you are being unjustly harassed? You have rights and protections! Be sure to reach out to Alexander Hilton & Associates to discuss your case right away. Our Oklahoma City consumer protection lawyer can review your case and help you craft an effective legal strategy to hold debt collectors accountable.

Don’t let your rights be violated! Take action by reaching out to our firm for counsel.

What actions are prohibited under the FDCPA?

The FDCPA protects consumers who have personal, family, and even household debts against third party debt collectors. Business debts, however, are not covered under this act, as they are not considered to be related to the consumer. Even if you have filed for bankruptcy and got an automatic stay put in place, creditors can still violate your rights by trying to work around it.

According to the FDCPA, debt collectors are prohibited from engaging in the following:

  • Communicating with restricted third parties after you have sent a letter to stop
  • Engaging in deceptive or manipulative communication to find your whereabouts
  • Harassing or threatening phone calls multiple times a day or at prohibited times
  • Providing false information to credit bureaus or other parties about you
  • Forcing you to pay more than you owe or use deceptive tactics to get money
  • Unlawfully seizing or threatening to seize your property
  • Threatening to file a lawsuit or get you arrested when they don’t have the power to
  • Using obscene or vulgar language over the phone or through letter

These are just a few examples of actions that these collectors are lawfully banned from using to try to obtain the debts you owe. Furthermore, the FDCPA provides you the right to receive a written notice that details the amount of debts you owe and the creditor who it is owed to. If you feel like your rights have been violated in any way, you can file a complaint with the Federal Trade Commission with the help of a consumer protection attorney in Oklahoma City who knows how to craft a clear claim. If your complaint is accepted, you may be able to pursue criminal and civil penalties against the violators, including restitution.

If you believe you are being abused by debt collectors, you need to respond with incisive and effective legal action. Alexander Hilton & Associates is ready to stand up and protect your name. Fill out your free case evaluation now.

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