Have you had debt collectors call you at all hours of the night? Have they continuously harassed you at work or at home? Have they lied about what you owed or tried to charge you excess fees? If so, you may be entitled to up to $1,000 per violation.
The FDCPA places strict requirements on creditors. They must properly identify themselves, provide written proof of the debt upon request, and act fairly when bringing court proceedings. They are also prohibited from being abusive, using profane language, or making unwarranted threats.
If you’ve been treated unfairly by a debt collector, the FDCPA gives you the power to sue them. The law provides for fixed compensation of up to $1,000 for each violation. In addition, if you’re able to prove that they cost you money, you’re entitled to a full recovery of anything you lost. Finally, the debt collectors are required to pay your attorney’s fees — you do not pay a penny.
To learn more about defending your FDCPA rights in New York, contact Cohen & Mizrahi LLP in Brooklyn or Queens to schedule a consultation.