Northern Virginia Debtor Rights Lawyer
Creditor Harassment Gone Too Far?
You may or may not owe the money. Either way, credit card companies or collection agencies must adhere to the law in attempting to collect payment. If a debt collector violated the federal Fair Debt Collection Practices Act, you may have a claim for money damages.
The Manassas, Virginia, law firm of Thomas R. Breeden, P.C., enables you to fight back against debt collector abuse. Call us at 703-659-0188 for an initial consultation. Our attorney has helped hundreds of clients get harassing creditors to back off or win compensation from unscrupulous collection agencies.
Debt Collector Abuse — Make Them Stop and Make Them Pay
The Fair Debt Collection Practices Act (FDCPA) regulates creditors and their "hired gun" debt collectors. The FDCPA outlaws such conduct as:
- Harassing phone calls, e-mails or letters
- Abusive language or profanity
- Bothering relatives or employers after the collector has located you
- Threats of consequences (jail, lawsuits, black marks on your credit report)
- False statements to a credit bureau
- Anonymous or automated phone messages
- Misrepresenting the amount or status of the debt
- Misrepresenting themselves as police or government agencies
Collectors must clearly identify themselves, issue written notice of the debt and allow you 30 days and an avenue to dispute the debt.
Compensation for FDCPA Violations
Victims of debt collector abuse do not have to prove actual damages (tangible loss). The collection agency is automatically subject to statutory damages of up to $1,000 plus attorney fees. Each instance of harassment or deceit is a separate violation of the FDCPA. (Save every voicemail, e-mail or mailed communication as evidence.)
Tom Breeden has battled debt collector abuse for more than 15 years on behalf of consumers, with successful lawsuits against major credit card companies and collection firms. He also has worked on the other side, representing reputable collection agencies and advising them on FDCPA compliance. These insights and his trial experience enable him to assert your rights and fight for damages when collectors cross the line.
End abuse by debt collectors and hold them accountable. Contact Thomas R. Breeden, P.C., for an initial consultation. We serve individuals and business owners in Prince William County, Fairfax County, throughout Northern Virginia and statewide.