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FDCPA Lawyer For Fair Debt Collection Practices by Aloysius Aucoin
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FDCPA Lawyer For Fair Debt Collection Practices |
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Law
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There are many people who, throughout their lives, find themselves acquiring debt in order to pay for their education, their vehicle, home repairs, medical care and credit card acquisitions throughout their lives. Then other responsibilities compile with the cost of living and the bills pile up each month. It is also common for them to experience difficulty paying back those debts that they've collected over the years. Recovery can take several years if it happens at all without filing for bankruptcy first. But once the lender has relinquished the debt collecting process to a third party, this new company and its employees (in the past) have set their own standards of practice driven by commissions. This resulted in a lot of threats from the hired bill collectors. These threats combined with the debtors' inability to pay caused not only unspeakable stress but a remarkable increase in filing of personal bankruptcy. Make no mistake; the collection agencies still possess the freedom to utilize what they deem to be effective protocol for attempting to retrieve the debts. The FDCPA lawyer and the Practices Act itself are in place to establish a balance between the evenhandedness of debt gathering practices from the collection agencies as well as more debt resolution options and protection for debtors. An FDCPA lawyer has become a necessary component of the debt collection process on behalf of the consumer. Congress passed the Fair Debt Collection Practices Act to regulate how bill collectors are allowed to approach and penalize debtors for certain forms of debt. The attorney's covering this area of financial security helps clients with their family and household debts for automotive, medical, credit card and home-related upkeep. All states have similar debt collections protections against misconduct but some states offer a wider range of debts that can be are covered. But most consumers utilize an FDCPA lawyer's knowledge of the particular conduct limitations on the debt collectors. They want to know exactly what debt collectors can and cannot do to inquire about and retrieve debts owed. Consumers may be surprised to find out that collection agencies are not supposed to commit the following: * Contact and notify anyone of the debt besides the actual debtor and their co-signer. * Threaten the debtor with repossession, garnishment, credit damage or legal action if that is not actually pending. * Contacting the debtor at an inappropriate time, inappropriate place or in an inappropriate manner such as between the hours of 9 PM and 8 AM, at work, or using derogatory language. * Threatening arrest or a lawsuit in a court far away from the debtor's residence. * Requesting postdated checks or interest on top of the debt that is not permitted by the terms of one's debt or state law. Protecting your rights is what a Loveland FDCPA lawyer does. Contact the office of http://www.coloradofdcpa.com and find out what your rights are and make sure they are protected in court.
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