The FDCPA And You
At the law firm of Cagle Carpenter Hazlewood, based in Austin, Texas, our attorneys help clients recover what is rightfully theirs, using customized strategies and an array of methods. We understand that effective debt collection should be accomplished in an ethical, professional manner.
Understanding and following the rules of the federal Fair Debt Collection Practices Act (FDCPA) is essential to your collection efforts. That’s where an experienced collections lawyer can help.
Effective Collections And The Requirements Of The FDCPA
Designed to protect consumers from the frequently abusive behavior of collections companies, the FDCPA creates very clear guidelines on acceptable and disallowed practices for collection efforts. To avoid jeopardizing your right to collect on a debt, it is important that you adhere to the following requirements:
- Collectors must identify themselves as such in every communication and advise debtors in their initial communication that any information offered will be used to assist with collection.
- Collectors must provide notification to consumers of their right to dispute debt.
- Collectors must provide debt verification, should it be requested within 30 days of notification.
- Lawsuits may be filed only in the location where the contract was signed or the debtor resides.
Additionally, several abusive practices are specifically disallowed, and engaging in them may result in a harassment claim that could harm your company considerably.
Contact Us | The Consultation Is Free
If you are having trouble collecting on commercial debts, skilled legal representation can help guide you through the process of recovering the money owed to you.
For a free consultation to discuss the details of your case with an experienced Texas debt collection attorney, contact Cagle Carpenter Hazlewood, today.