The Fair Debt Collections Practices Act

The Fair Debt Collections Practices Act (FDCPA) is a very important statute for your rights as a consumer. It allows you to file a federal civil lawsuit against any debt collector who violates your rights under the FDCPA. The FDCPA allows you to recover your actual damages (which may include pain and suffering), statutory damages of up to $1,000 and your actual attorney’s fees and costs.

As powerful as the FDCPA is to protect your rights, debt collectors are very smart and slick corporate entities who know how to skirt the law with their collection tactics. The FDCPA prohibits any collection effort which violates the law. This starts with the debt collector’s duty to be truthful to you and to treat you with respect. Once you retain Maxwell Attorneys LLC, a debt collector must cease contact with you. If debt collectors violate the FDCPA, we will file a federal civil law suit to protect your rights and stop the unlawful activity.

If you legitimately owe a debt, we believe you should pay it. But, we do not believe that any debt collector ought to violate your rights to collect a payment from you. We won’t allow your legal rights to a respectful, fair, and legal debt collection activity to be side-tracked by a debt collector who violates state and federal law. Call 414-727-0123 today to learn how Maxwell Attorneys LLC will stand by you during troubled times.

Important FDCPA Definitions:

Debt Collectors: According to the FDCPA, a debt collector is any person, other than the creditor, who regularly collects debts owed to others. This includes attorneys who regularly collect debts.

Covered Debts: Any debt that is primarily for personal, family, or household purposes are covered under the FDCPA. Business and commercial debts are not covered. Alimony, child support, criminal fines, and tort claims are generally not considered debts within the meaning of the FDCPA.

Consumer: Any person who owes or is alleged to owe a consumer debt.