Fortunately, here in the United States, there are several federal and state-based laws designed to protect consumers from unfair debt collection practices. However, this does not always stop debt collectors from pursuing those unfair (and often illegal) practices. That said, if you believe your rights under the Fair Debt Collection Practices Act (FDCPA) have been violated by a third-party debt collector, the time to act is now. Please continue reading and reach out to a seasoned New York City debt collection harassment lawyer from Rahman Legal to learn more about unfair debt collection practices and how our legal team can help if your rights have been violated. Here are some of the questions you may have:
What is the FDCPA?
The Fair Debt Collection Practices Act (FDCPA) is a federal law that affords consumers certain notification rights and protects them against harassment, false charges, and unfair practices by third-party debt collectors. When debt collectors violate a consumer’s rights, the consumer will likely have a valid reason to file a lawsuit against them.
What are some examples of actions that may violate the Fair Debt Collection Practices Act?
There are a variety of ways in which a third-party debt collector can violate the FDCPA. Some of the most common examples of these violations, however, are as follows:
- Calling a person’s family members or employer about a debt they allegedly owe
- Calling at late hours of the night or early in the morning
- Pretending to be affiliated with the government
- Harassing a person by calling them several times per day
- Alleging a person owes a debt that they do not actually owe
- Using deceptive or dishonest practices to collect a debt from a consumer
These are just some common examples of FDCPA violations, and ultimately, if you believe a debt collector has violated your rights or has conducted itself improperly in any way, you need to speak with a lawyer as soon as possible.
How long will I have to file a lawsuit against a debt collector in NYS?
If you have been unfairly targeted or have had your rights violated by a debt collector in New York, you need to understand that there is a statute of limitations in place for filing a claim against the entity. In New York, you are required to file a lawsuit against a debt collector within one year of the date the collector broke the law. Rahman Legal stands ready to fight for you. If your rights have been violated, contact us today so we can get started working on your case.