Even if you have fallen behind in your payments to a creditor, you still retain certain rights under federal law. If you or someone you know has been a victim of unfair debt collection, a Northern Kentucky unfair debt collection attorney at our law firm may be able to assist you. We serve the cities of Covington, Florence, Newport, Independence and surrounding areas. As a boutique law firm, we are dedicated to helping our clients in a friendly, professional, and personalized way. At our firm, you will always work directly with a Northern Kentucky unfair debt collection litigation lawyer.
You may owe your creditor money but you are still protected by the Fair Debt Collection Practices Act which part of the Consumer Credit Protection Act. This federal law protects consumers by prohibiting creditors from abusive, fraudulent, or unfair debt collection practices. According to this law, harassment is not a legitimate way for creditors to recover debts. This law promotes fair collection and provides consumers with a way to dispute their debt or have their debt information validated for accuracy. The Consumer Credit Protection Act provides guidelines for the conduct of debt collectors, delineates the rights of consumers in regard to debt collection, and prescribes penalties and remedies for anyone in violation of the Act.
Abusive and deceptive conduct on the part of debt collectors includes abusive or profane language, threatening arrest or legal action when it’s not permitted or contemplated, seeking unjustified amounts, contacting consumers after 9 p.m. or earlier than 8 a.m. and many other harassment or intimidation practices.
Learn more about your unfair debt collection options by contacting us for a free in‑person or online consultation today.