Los Angeles Bankruptcy Attorney

los angeles bankruptcy attorney


los angeles bankruptcy . net




Bankruptcy Lawyer Hale Andrew Antico Reviews

Fair Debt Practices Act

Home > BK Info > Creditor harassment > FDCPA

The Fair Debt Practices Act, or more fully, the "Fair Debt Collection Practices Act," is the federal law passed by Congress that dictates what creditors and bill collectors can and cannot do.

Some of the things it prevents are:

  • phone calls at unusual hours: they can only call between 8am and 9pm §805(a)(1) (15 USC 1692a)
  • calling you at your job: if the harassing creditor knows that your employer prevents you from receiving these calls §805(a)(3)
  • bugging you if you tell them to stop: a cease-desist letter mailed to the creditor often does the trick §805(c)
  • creditor harassment: creditor harrassment includes things like using obscene or vulgar language, threats, repeated ringing of phone with intent to annoy §806

Also, a creditor cannot make false or misleading representations, including implying that the consumer has committed some crime, or that the debt is in the legal process when it is not. §807

 

Penalties and Fines

According to Section 813 [15 USC 1692 i], any debt collector who doesn't abide by these rules will owe up to $1000 plus attorney fees. 813(a)(2)-(3).

Congress last amended this in 1996.

 

los angeles bankruptcy lawyer pasadena burbank
San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy
Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy
Southern California Bankruptcy Lawyer | Search | Links | Los Angeles Bankruptcy Court | Site Map

We are a federally designated debt relief agency pursuant to Title 11 of the US Code.
We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code