Creditors Interchange Debt Collection Abuse

New York Debt Collection Harassment Lawyer

Do you feel that  Creditors Interchange harassed you or violated your rights?

You should be aware that there are laws to protect you.

The Fair Debt Collection Practices Act (FDCPA) protects consumers from harassing and deceptive debt collection.

Protecting Your Rights

The FDCPA clearly outlines what a debt collector may or may not do when engaging in debt collection activities. 

Some of the rules for creditors and collection agents include:

• He or she may only call a debtor between the hours of 8 a.m. and 9 p.m.;
• He or she may not use abusive or offensive language;
• He or she may not discuss a consumer's debts with known associates (family members, co-workers, neighbors);
• He or she may not make repeated phone calls in order to harass;
• He or she may not threaten legal action if it is not intended.

These are only a few of the provisions in the FDCPA.  Any action that is deceptive or harassing is illegal under the Fair Debt Collection Practices Act.

If you believe that you have suffered debt collection abuse, then you should contact a New York debt collections harassment attorney who can ensure your rights are protected and stop the abuse against you.  All potential clients are provided a free consultation in order to determine the viability of the case.

Generally, the consumer is not asked to pay any upfront fees or costs. If the Law Office of Joseph Mauro agrees to bring a case on your behalf the representation is generally handled on a contingency basis. The Fair Debt Collection Practices Act (FDCPA) includes a provision that allows a successful consumer to have the debt collector pay the consumer's attorneys fees and costs.