Connecticut Fair Debt Collection Practices Act
The Federal Trade Commission is a government agency responsible for "protecting America's consumers." This government agency is charged with overseeing enforcement of the Fair Debt Collection Practices Act (FDCPA), designed to "prohibit abusive practices by debt collectors." Under this law, third-party collection agencies are very specifically disallowed from harassing consumers. This continuing improper behavior is often illegal and can entitle you to a lawsuit and award for damages.
What does this mean to you if you were illegally targeted by debt collectors in any of the following ways?
- They sought communication with you at "any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer." In particular, the law specifies that debt collectors should not contact you before 8 a.m. or after 9 p.m.
- They have sought to communicate with you about a debt despite the fact that "the debt collector knows the consumer is represented by an attorney with respect to such debt."
- They used threatening, obscene or profane language with you.
- They used illegal threats such as warrants, arrest, prison, liens against your house, pay, or bank account, embarrassment or other coercion.
- They discussed your debt with others.
- They harassed your family, friends or employer or discussed your debt with them.
- Their communications with you included false representations — for example, falsely claiming to be affiliated with the U.S. government.
- They engaged in unfair debt collection practices such as asking you for a postdated check and then depositing that check before the date in question.
- They failed to confirm with you, within five days of contacting you, all key details of a debt.
- They entrapped you with deceptive collection forms.
For one thing, collection agencies can be held liable for damages and attorney fees if they violate this law. The Law Offices of Neil Crane, LLC, fights creditor harassment. We recommend that you take advantage of our offer of a free initial consultation if you suspect that a debt collector has broken the law in dealings with you.
Our Connecticut Fair Debt Collection Practices Act (FDCPA) Lawyers Welcome Your Inquiry
From offices in Hamden, Bridgeport, Waterbury, Rocky Hill and Ridgefield, The Law Offices of Neil Crane, LLC, advises and represents consumers throughout Connecticut. The law firm is known as one of the leading bankruptcy law firms in Connecticut. Since 1983, we have provided legal solutions for individuals and small businesses facing legal and financial challenges such as harassment by debt collectors.
Our founding attorney, Neil Crane, has built a strong reputation as a leading Connecticut bankruptcy lawyer. Advocacy groups and attorneys often refer clients with potential FDCPA violation claims to this law firm. Mr. Crane has been featured by the BBC and The New York Times in reference to consumer debt issues and strategies for achieving effective debt relief.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
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