FDCPA - Credit Report Discrepancies
The Federal Fair Debt Collection Practices Act (FDCPA) is enacted to stop abusive, deceptive, and unfair debt collection practices by debt collectors. If you believe you have been a victim of unfair practices of a debt collector you may be entitled to money damages and payment of your attorneys’ fees.
A Debt Collector cannot:
- Call you on telephone repeatedly and at odd hours
- Call you, but not announce who he/she is
- Disclose information of your debts to third parties
- Use abusive language
- Contact you after written notification that you do not want to be contacted
- Claim to be affiliated with any governmental organization
- Misrepresent the character, amount or legal status of a debt
- Threaten to take action not validated
- Threaten or communicate false credit information
- Use deceptive methods to collect debts
- ... and more
You can:
- Reduce or completely zero your interest payment
- Avoid or reduce late payment fees
- Combine several loans into a single low monthly payment plan
- Get your credit reports corrected
- Remove invalid or time-lapsed entries in your credit reports
- ...and more
If a debt collector has engaged in any of these abusive or unfair debt collection practice, contact Dalton & Associates, LLC for a free evaluation to determine if you are eligible to recover money damages and the payment of your attorneys’ fees!
Dalton & Associates, LLC defends you against unscrupulous debt collectors with the help of the Fair Credit Reporting Act (FCRA), the Fair Debt Collection Practices Act (FDCPA), the Fair Credit Billing Act (FCBA) and any state Unfair and Deceptive Acts and Practices (UDAP) laws. Know your rights under FDCPA to protect yourself against the unfair debt collection practices.
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