(PRWEB) October 17, 2013
The Fair Debt Collection Practices Act (FDCPA) has strict guidelines about what debt collectors can and cannot do, and representatives with the Bureau of Consumer Services announced today that it has started a campaign to help the general public fight against debt collectors who violate the FDCPA.
“If any consumer has a collection agency calling them and harassing them, or they have damaged a consumer’s credit, we can help fix their credit, stop the calls, and sue the collection agency,” M. Shar, spokesman for Bureau of Consumer Services said.
Shar went on to explain that since debt collection agencies and possibly creditors are in violation of the FDCPA, the Bureau of Consumer Services, often times take legal action against those who violate the federal mandate on behalf of its clients.
“The great thing about the FDCPA is that it allows an attorney to do all legal work at no charge to the consumer,” Shar pointed out, before adding, “As a consumer, it’s important that you are aware of these guidelines, even if you don’t have any accounts that are currently in collections.”
Debt collectors, according to Shar, often try to get individuals to pay a debt that they don’t owe or contact individuals to find out information about a friend or relative who does owe a debt.
“You have the right to take action against a debt collector that violates the FDCPA,” Shar stressed. “Report these violations by going to BureauCS.com against debt collectors.”
As for what The Act covers, Shar said, it covers a wide range of subjects, such as personal, family, and household debts, including money an individual owes on a personal credit card account, an auto loan, a medical bill, and your mortgage. However, Shar did point out that the FDCPA doesn’t cover debts incurred to run a business.
“A debt collector may not contact you at inconvenient times or places, such as before 8 AM in the morning or after 9 PM at night, unless you agree to it,” Shar said. “Collectors may not contact you at work if they’re told (orally or in writing) that you’re not allowed to get calls there. There’s a lot that this act covers, and we’re here to help whoever needs help to fight against the unlawful contacts that debt collectors and creditors violate.”
The Bureau of Consumer Services (BCS) will look into your case, and [after licensed attorney has reviewed a consumer’s situation,] may file a Law Suit against the debt collector or creditor. The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you. Bureau of Consumer Services is not a government agency or affiliated with any government or state administrative agency in any way.
Source: Bureau of Consumer Services