What Does the FDCPA Mean for Your Future?

Have you been harassed by a collection agency that just won’t seem to quit? Are you being called at your work, pestered after you’ve already asked them to stop or menaced with the prospect of arrest? Although many consumers don’t know it, these kinds of actions are completely illegal in the U.S.

The Fair Debt Collection Practices Act, or FDCPA, has laid down the law on how collectors must operate since 1977. You should know, however, that it’s up to you to take matters into your own hands to ensure that the rules are enforced properly. Talk to Wyo Law Firm, LLC today to learn how.

What Can Collectors Legally Do?

Collectors engage in many different practices to recover outstanding debts. The law kicks in when such activities become deceptive or outright abusive. Thanks to the FDCPA, you could be liable to receive monetary damages, court costs and attorney fees whenever a collection agency

  • Publishes your personal information on a list of bad borrowers,
  • Exposes your identity to embarrass you so that you pay faster,
  • Poses as a police officer or attorney to get you to pay,
  • Discusses your debt details with an unauthorized third party,
  • Discusses your debt details with an unauthorized third party,
  • Ignores your written requests not to be contacted,
  • Tries to call you at inconvenient times, such as before 8 a.m. or after 9 p.m.

What Are Your Rights??


The FDCPA gives you the power to ask your collector to validate your debts anytime. You can also dispute any debt, and if your collection agency fails to notify you that you have the right to dispute, then they’ve broken the law.

One of the most powerful options that the FDCPA gives consumers is the ability to seek court enforcement.

Starting an FDCPA lawsuit can be a complex process, especially if you haven’t prepared your case correctly. Being a consumer doesn’t automatically guarantee that you’ll win, and if you don’t follow the rules of the court that you file your legal action in, you might end up being liable for paying the collector’s attorney fees as well as your own.

Your FDCPA rights are too important to risk on technicalities.


Discuss your situation with an attorney at Wyo Law Firm, LLC to find out how to prepare your evidence, file and pursue a case to completion. With free consultations, years of legal experience and a passion for representing consumers, we’re always ready to help you improve your outlook.

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