Debt Collectors, whether private companies, or law firms, have been increasingly violating the Fair Debt Collection Practices Act (FDCPA). The debt collectors may be emboldened by the changes to bankruptcy law in October 2005. Any debt collection company or law firm that collects debts is required to comply with FDCPA. The law prohibits collectors from lying to consumers.
Our office has met with consumers in financial trouble and discovered numerous FDCPA violations. Debt collectors have told consumers that "bankruptcy is not available anymore" or the debt collectors can "garnish their wages tomorrow", or even that the consumer is "not permitted to talk to an attorney" because the collector has not agreed to allow them to talk to an attorney. These lies told by collectors need to be prosecuted under federal law.
We are taking steps to prosecute these violations. The FDCPA permits consumers to receive statutory damages up to $1,000, plus actual damages and attorneys fees for the successful prosecution of FDCPA. If you believe you have been a victim of a FDCPA violation, call our offce for an evaluation- (207) 283-3777