The Fair Debt Collection Practices Act

The hassle of debt collectors calling at all times of the day is one of the many frustrations of being under a significant amount of debt. Filing for bankruptcy or pursuing debt negotiation are two ways to help protect yourself from the nuisance of debt collection agents. Even without these actions, though, consumers are granted some protections from creditors through the Fair debt Collection Practices Act.

Financial problems are difficult and intimidating to face alone. The New Orleans bankruptcy lawyers of the Law Office of David D. Kervin, Jr., LLC can help you escape the burdens of debt by providing experienced and thoughtful legal counsel tailored to your circumstances. Contact us today at 504-599-5906 for more information.

FDCPA Protections

Under The Fair Debt Collection Practices Act, collection agents are prohibited from participating in a number of actions considered “abusive and deceptive.” Banned actions include:

• Misrepresentation or deceit.
• Publishing debtor’s address or name.
• Use of abusive language.
• Calling outside the hours of 8:00am to 9:00pm.
• Contact after a request to cease communication has been made.
• Contacting the consumer at his or her place of work.
• Contacting individuals with known legal representation.

These restrictions are meant to protect consumers from being intimidated by collection agencies, but the only true way to solve the problem is to find a way to get your debt under control. In such cases, bankruptcy may be a good option.

Contact Us

We fight tirelessly to protect the rights of our clients and help them get a clean financial start. To discuss your case, contact the New Orleans bankruptcy lawyers of the Law Offices of the Law Office of David D. Kervin, Jr., LLC by calling 504-599-5906.