Collectors are allowed to collect a debt. But, they have to follow the law.
They break these laws all the time. The Fair Debt Collection Practices Act, the Telephone Consumer Protection Act and the Fair Credit Reporting Act are the biggest. Each violation on this list gets you damages and your attorney’s fees paid by the collector. Learn to spot these violations and share!
Who are debt collectors?
Debt collectors are people who collect debts owed to others regularly under the Fair Debt Collection Practices Act or FDCPA. As a Georgia FDCPA attorney, I have found that many types of businesses violate the law. Debt collectors include lawyers, collection agencies, and the corporations that buy delinquent debts only to try to collect at full value.
Many larger debt collectors are governed by the Consumer Protection Financial Bureau.
Types of debts covered?
The Act however covers both personal, household and family debts, which includes money owed by you through an auto loan, a personal credit card account, your mortgage and your medical bill. The FDCPA does not cover debts incurred by you while running a business.
One last thing, identity theft can also create claims under these laws, as well. We represent clients for all Georgia cities including Macon, Decatur, Savannah, Albany, Columbus, La Grange, Rome, Tucker, Marietta, Griffin, Covington, Conyers, Stone Mountain, Athens, Snellville, and more.