What kinds of debts are covered by fair debt collection practices acts?
Fair Debt Collection Practices Acts (FDCPA) cover “consumer debts,” generally defined as a consumer’s personal, family and household debts. — Things like money you owe on a personal credit card account, auto loans, medical bills, and your mortgage. Debts for parking tickets, taxes, income tax, alimony payments and debts incurred to run a business are NOT consumer debts.
What or who is a Debt Collector?
Debt collectors are anyone “who uses any instrumentality of interstate commerce or the mail in any business, the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due another.” The term also includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts.
Are creditors covered under Fair Debt Collection Practices law?
Creditors may or may not be covered under Fair Debt Collection Practices Law; each state has its own statutes which regulate debt collection practices within its boundaries. You can contact a Fair Debt Help Lawyer to find out whether or not a creditor is covered under your state’s debt collection laws.
Do I need a Fair Debt Practices Lawyer?
A Fair Debt Help Lawyer, knowledgeable about Federal and State Debt Collection Laws can advise you of your rights. Since a debt collector may attempt many different tactics, it is difficult to determine on your own whether a violation has occurred, an experienced FDCPA attorney can evaluate your situation and advise you accordingly. When you hire an attorney to represent you with regard to the debts you owe, debt collectors must contact your attorney instead of you. Protect your rights, fight debt collectors and stop harassment.
Who pays the Lawyer?
The Fair Debt Collection Practice Act provides for payment of attorneys fees BY THE DEBT COLLECTOR (or defendant) if you prevail. Fair Debt Collection Practices lawyers listed on this website will generally represent you at no cost to you*, so there is no reason to fight this battle alone!