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Arizona and Fair Debt Collection Practices Act 

About the Fair Debt Collection Practices Act

Individuals can experience financial hardship resulting from loss of income or unforeseen emergency expenses.  When people have financial problems, they may have a hard time keeping up financial obligations and fall behind on monthly payments to creditors or lenders.  Creditors have the right to collect monies owed but must do within the guidelines set by the Fair Debt Collection Practices Act (FDCPA).   The FDCPA allows a debtor an opportunity to dispute a claim by a creditor.  A debtor experiencing creditor harassment should immediately contact an Arizona bankruptcy lawyer for legal advice and the options that are available to avoid continuous credit collections activity.  The attorneys from the Price Law Group help clients experiencing financial difficulties become free from creditor harassment.

Debt Solutions and the FDCPA

Once a debtor has trouble making payments to creditors it is best to contact a lawyer knowledgeable in the area of creditors, debtors and the many programs and solutions that are available to help all parties involved.  Due to troublesome economic times, many creditors are willing to work with debtors to resolve issues that allow all parties to satisfy obligations.  Some creditors engage in unlawful and abusive collection activities that violate the FDCPA guidelines as follows:

  • Phone calls intended to annoy, abuse or harass a debtor including use of profane language
  • Threats by misrepresentation of creditor as an attorney or law enforcement
  • Failure to cease when asked to stop harassing phone calls at odd hours and to employers
  • Continued contact after debtor declares bankruptcy

The FDCPA is a strict liability law meaning a creditor in violation may pay a victim of creditor harassment up to $1,000.00 in damages.  There are other penalties and remedies available to a debtor when the subject of FDCPA violations.  Legal credit collection activity can still cause stress in a household already facing financial problems.  Some individuals can experience relief from continuing collection actions by filing for bankruptcy or rearranging debts through debt counseling programs.  The Price Law Group assists many debtors to regain control of their financial situations.  Make an appointment today for a consultation with one of our attorneys for help with abusive creditor collection actions.

Contact an Arizona Fair Debt Collection Practices Act Attorney if subject to abusive FDCPA activities.

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