Have you fallen on hard times? Are you having trouble paying the bills? Are collectors calling several times a day, and making your life miserable?
If this sounds like your situation, take heart. A federal law called the Fair Debt Collection Practices Act (the “FDCPA”) provides powerful protections to people in just your situation. In Pennsylvania, a state law called the Fair Credit Extension Uniformity Act (the “FCEUA”) also provides powerful protections to you. Among other things, these laws make it illegal for bill collectors or creditors to call you at work, call your family members (except to locate you) call you before 8 a.m. or after 9 p.m., threaten you, or call you so many times a day that it becomes harassment.
If a collector violates the FDCPA or the FCEUA by harassing you, threatening you, or by some other means, YOU can actually SUE THEM. If you win, these laws require them to both pay you and your lawyer’s fees! This is why, if you have a strong case, many lawyers will represent you for no money up front. These laws are powerful, beneficial tools in the hands of an experienced consumer attorney, who can use them to both protect you and get you some money.
To learn more about the FDCPA and the debt collection industry, check out the link below. To see whether or not you might have a good case, call the Law Office of Emily Gomez at (412) 378-5854 to schedule an initial consultation.