Are you behind in your paying your bills?

If you are delinquent on an account, you still have rights against a debt collection agency. The Fair Debt Collection Practices Act (FDCPA) is United States statute of the Consumer Credit Protection Act.  Its purpose is to eliminate abusive collection practices by debt collection agencies.  The FDCPA creates guidelines that debt collection agencies must follow.  It also defines the rights of consumers who find themselves behind on their bills and dealing with these agencies.  I can potentially protect you from debt collection agencies: calling and disclosing information to third parties not involved with the debt such as an employer, friend, or family member, threatening garnishment of your wages, threatening legal judgment without going to court, threatening to put a lien on you or your property, the amount of phone calls placed per day including before 8 am and after 9 pm, and abusive/hostile language.  Below is a link to the FDCPA.  If you feel your rights have been violated, please call my office at 407-217-5807 or toll free at 855-582-2737 to set up a free consultation.  Don't let the economy destroy your dignity! 

http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf

Remember, taking care of yourself and your loved ones is what is most important in life. I care about you and your future! ~ Katie