What Is The Fair Debt Collection Practices Act?

For those living with debt, the reality can be a nightmare of never-ending harassing phone calls and letters and having to live with the fear of losing vehicles to repossession, their wages or bank accounts to garnishment or their homes to foreclosure.

Creditors and collection agencies will often rely on tactics that cause serious stress and anxiety. Many of those tactics are perfectly legal. But, there are lines that they cannot cross. The Fair Debt Collection Practices Act (FDCPA) places limits on the methods that creditors and collection agencies can utilize to pursue a debt.

If you believe that you have been the victim of collection practices that violated the FDCPA, we can help you pursue your rights.

Examine All Possible Debt Solutions

There are other methods to fighting a difficult debt situation:

  • Filing for protection under the Bankruptcy Code
  • Negotiated debt settlements

Bankruptcy is a powerful tool that can help people get a fresh start. My experience in negotiating settlements on debts can also assist those who are facing difficult times regarding a debt. We can file objections to garnishments or default judgments that can help you avoid even worse financial challenges than you are currently facing.

Committed To Protecting Our Clients’ Rights

At El Kodssi Law Firm, we are skilled in utilizing the full range of tools available to help people escape difficult debt situations. From bankruptcy and FDCPA issues to negotiating with creditors and collection agencies and taking all available legal action to help our clients, we are committed to finding a tailored solution that addresses each of individual situation in the most effective means possible.

We can also assist if you have suffered credit discrimination. When a creditor has unfairly denied you credit, we can help you examine your legal options.

Fair Debt Collection Practices Act Representation In Dearborn

When you are being harassed by creditors and collection agencies, we can help you find the way to get the fresh start you deserve. To schedule a free initial consultation, call 313-406-8935 or contact my office online.

Services available in English, Arabic and French.