The Fair Debt Collection Practices Act (FDCPA for short) regulates the behavior of debt collectors attempting to collect debts on behalf of others or on their own behalf in the name of another.  The FDCPA is intended to eliminate abusive debt collection practices by debt collectors, to ensure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote uniform State action to protect consumers against debt collection abuses.

Common FDCPA violations include:

  • Communicating with a consumer who is known to be represented by an attorney
  • Misrepresenting the amount or status of the debt
  • Suing on a time barred debt (usually 6 years)
  • Calling a consumer’s friends and family to discuss the debt
  • Trying to collect unauthorized fees
  • Making false threats to garnish wages without intending to do so
  • Falsely threatening to sue without the intention of doing so
  • Attempting to collect a debt discharged in bankruptcy.

The Law Offices of Robert J. Nahoum represents consumers who have been the victim FDCPA violations.  In appropriate cases, we sue debt collectors and debt collection law firms in Federal District Court for violations of the FDCPA.  Because the FDCPA is fee shifting (meaning that the debt collector pays our legal fees), we don’t charge our FDCPA clients a penny out of pocket.

If you have questions, concerns, or legal needs regarding unlawful debt collection practices, we urge you to contact The Law Offices of Robert J. Nahoum, P.C. today by calling 845-232-0202.