The Fair Debt Collection Practices Act Protects Consumers in New York


The Fair Debt Collection Practices Act (FDCPA) is a federal law, passed by Congress in 1977, that serves as a shield against unfair and abusive practices by debt collectors. At Rahman Legal, we are dedicated to representing consumers in New York who have been victimized by violations of the FDCPA. In this blog post, we will explore the key provisions of the FDCPA, discuss common violations that consumers encounter, provide guidance on recognizing these violations, outline the steps you can take if your rights are violated, and highlight how our firm can assist you in protecting your rights under the FDCPA.

I. Understanding the Fair Debt Collection Practices Act

Fair Debt Collection Practices Act (FDCPA) is a statute that prohibits third-party debt collectors from engaging in unfair, abusive, and deceptive debt collection practices. It applies to personal, family, and household debts, including credit card debts, medical bills, student loans, and mortgages. In certain circumstances, the law also applies to debts involving rent, condominium fees, motor vehicle transactions, and nursing facility services. Under the FDCPA, consumers are granted several important rights, including

  • the right to be free from harassment and abuse,
  • the right to truthful and accurate information,
  • the right to dispute the debt, and
  • the right to cease communication.

With an understanding of these rights, consumers can often protect themselves from unscrupulous debt collection practices. Some debt collection companies that operate in New York include Sunrise Credit Services Inc., Forster & Garbus LLP, and Alltran Financial, LP.

II. Common FDCPA Violations

Despite the passage of the FDCPA more than forty years ago, violations of the law by debt collectors remain common. Collectors sometimes employ tactics that violate consumers’ rights and attempt to intimidate or mislead them into paying off their debts. Here are some examples of conduct that runs afoul of the FDCPA in certain circumstances.

  1. Harassment and abusive practices: Some debt collectors engage in aggressive and harassing behavior, such as making incessant phone calls, using offensive or threatening language, or employing intimidation tactics to coerce payment.
  2. False or misleading representations: Debt collectors have also been known to provide inaccurate or misleading information regarding the debt. Some collectors have also been known to misrepresent the consequences of non-payment.
  3. Unauthorized disclosure of debts: Though prohibited, some debt collectors may also try to discuss the debt with third parties who are not authorized to receive such information.
  4. Improper threats and intimidation: Debt collectors also violate the law by making unfounded threats of legal action, arrest, or harm to the consumer, creating an atmosphere of fear and intimidation.
  5. Unfair practices and deceptive collection techniques: Some debt collectors also engage in unfair practices, such as attempting to collect debts that are not valid, adding unauthorized fees or interest, or misrepresenting the consumer’s rights under the FDCPA.

III. Recognizing FDCPA Violations

It is important for consumers to be able to identify potential FDCPA violations to protect their rights effectively. Recognizing these violations can empower consumers to take appropriate action. When dealing with debt collectors, here are some indicators that may suggest FDCPA violations:

  • excessive and frequent calls, texts, or emails;
  • an unnecessarily confrontational tone on the telephone;
  • avoidance of direct answers to questions;
  • refusals to provide a breakdown of charges; and
  • repeated threats of legal action.

By being vigilant and aware of these signs, consumers can detect potential FDCPA violations and take the necessary steps to protect their rights.

IV. Taking Action

If you believe your rights under the FDCPA have been violated, it is essential to take prompt action. Here are the steps you can take:

  1. Document all communication: Maintain a detailed record of all interactions with debt collectors, including dates, times, content of conversations, and any threatening or misleading statements made. Keeping thorough records helps safeguard consumers against being misled about facts.
  2. Gather evidence: Preserve copies of all written correspondence, collection letters, voicemails, text messages, or any other forms of communication received from the debt collector. Such documentation is especially useful if the dispute escalates into a lawsuit.
  3. Report the violations: Consumers in New York State can file a complaint with the Consumer Financial Protection Bureau and the New York State Attorney General’s office. Consumers in New York City (including those in Manhattan, Queens, Brooklyn, the Bronx, and Staten Island), can file a complaint with the NYC Department of Consumer and Worker Protection. The City of Yonkers has a consumer protection bureau that accepts complaints, as does Nassau County and Suffolk County. Whichever agency you choose, provide them with a clear and detailed account of the conduct you have experienced, supported by the evidence you have gathered.
  4. Seek legal representation: Consult with an experienced FDCPA attorney who specializes in consumer protection laws. An attorney can evaluate the strength of your case, guide you on your rights, and navigate the legal process on your behalf.

V. How Our Firm Can Help

At Rahman Legal, we understand the challenges consumers face when dealing with FDCPA violations. Our firm has extensive experience in handling FDCPA cases and is committed to protecting the rights of consumers in New York City (including Manhattan, Queens, Brooklyn, the Bronx, and Staten Island) and consumers throughout New York State. When you choose our firm, you can expect personalized and compassionate legal representation. We will evaluate the specifics of your case, gather compelling evidence, and develop a strong legal strategy tailored to your circumstances. Our goal is to ensure that your rights are upheld, that debt collectors are held accountable for their actions, and that you receive the justice and compensation you deserve.


Being aware of your rights under the Fair Debt Collection Practices Act is vital when dealing with debt collectors. If you believe your rights have been violated, taking swift action is essential. Document all communication, gather evidence, report the violations to the appropriate authorities, and seek legal representation to protect your rights and pursue compensation. At Rahman Legal, we are dedicated to advocating for consumers who have suffered from FDCPA violations. Contact our firm today to schedule a free consultation, and let us guide you through the process of seeking justice.

Contact Us Today
  • This field is for validation purposes and should be left unchanged.