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Fair Debt Collection Practices Act

Cerritos Debt Collection Defense Attorney

At Law Office of Raymond J. Seo, we take action against collection agencies that are violating your rights as outlined in the Fair Debt Collection Practices Act. This is a federal act that protects consumers from certain types of collection activities. If the collector has violated debt collection regulations as outlined in the Act, legal action can be taken against the collection agency or lender. Attorney Seo has over a decade of experience and skills to assist you in debt collection defense.

Are you being harassed or abused by a creditor? You could be a victim of a violation of the Fair Debt Collection Practices Act. If so, we can assist you to file a legal action and you may be eligible to be paid damages, as well as have your legal fees paid by the company that violated your consumer rights.

Restrictions Under the Fair Debt Collection Practices Act

We have outlined some of the restrictions under which a credit collector must operate so you understand your rights. This Act prohibits creditors, including collection agencies, attorneys involved in debt collection, and companies who buy debt from lenders, from a range of abusive practices. These companies are restricted from engaging in deceptive tactics to try to force you to pay.

The types of debts that are covered under this Act include your personal or family debts, credit card debt, auto loans, mortgage payments as well as medical bills.

The creditor may not engage in any of the following activities:

  • Call you before 8 a.m. or after 9 p.m.
  • Contact you at work if you have asked them not to (in writing or verbally)
  • Contact another person about your debt, except to find your address, number or place of work
  • Use threats of violence
  • Use profanity
  • Call you repeatedly in an effort to annoy
  • Claim to be an attorney if not an attorney
  • Threaten you with legal action if there is no legal action planned
  • Give you wrong information about the amount you owe
  • Tell you that you will be arrested if you don't pay
  • Provide false information about your credit to another party
  • Use a false name for the collection agency when speaking with you
  • Contact you by postcard
  • Take your property or threaten to do so unless the correct legal actions are undertaken

There are many other restrictions that are not listed here, so be sure to discuss your situation with Attorney Seo. He offers a free consultation, so don't hesitate to contact his office to schedule your meeting.

We help victims of creditor harassment. Call today!

Are you the victim of a violation of the Fair Debt Collection Practices Act? If you believe this to be the fact, and the debt collector harassing you has engaged in any of these actions, we need to speak with you. There are a variety of actions we can take to help you get your debt situation under control, including representing you and making arrangements to settle your debt.

Collection agencies buy old debt from lenders, usually for pennies in the dollar. You may be told that you have to pay the entire amount, but we have a better idea of what the collector will actually take, and we can negotiate with the creditor and get the debt resolved. If you are threatened with a lawsuit, we should get involved at once, as if you do not appear, a judgment against you could lead to wage garnishment or liens.

Contact us for information about debt collection defense in Cerritos, and to take legal action against a creditor that is in violation of the Fair Debt Collection Practices Act.

Why Hire the Law Offices of Raymond J. Seo

  • We See Our Clients
    as People First

    We treat each client with respect and dignity and ensure the highest quality of professionalism for each individual. We see our clients as people first, not paychecks.

  • Lower Fees

    Our firm also proudly offers significantly lower fees than other large firms and direct access to the attorney working on your case.

  • Personalized Strategies

    We stay abreast of the changing bankruptcy laws and concerns so that we are always prepared because we understand that your case is unique to you.