Consumer Protection Against Illegal Debt Collection Practices
Texas consumers have rights, but debt collection agencies know that most people have no idea what those rights are. They often skirt the lines of acceptable behavior or outright violate state or federal law while trying to collect on a debt. Ciment Law Firm is dedicated to protecting your rights and helping you get the best possible outcome.
This is the second step of our proven three-step process, we ensure that collection agencies and creditors aren’t violating your rights–and if they are, we’re ready to hold them accountable. A variety of laws and statutes govern the behavior of debt collectors:
Fair Debt Collection Practices Act
This federal law protects consumers across the United States. It governs the collection tactics used by third-party debt collectors and collection agencies. The law explicitly outlines what third-party collectors can and cannot do when attempting to collect on a debt. Despite this, many debt collectors flagrantly violate the law, knowing that most consumers won’t file complaints. The FDCPA allows consumers to get up to $1,000 in statutory damages, actual damages, and legal fees when a third-party collector violates their rights. The team at Ciment Law Firm is aggressive in uncovering FDCPA violations.
Texas Debt Collection Act
In addition to the FDCPA, Texas consumers enjoy further protection under the Texas Debt Collection Act (TDCA). The TDCA is Texas law and the terms of the TDCA are very similar to those of the FDCPA, but they extend to original creditors as well as third-party collectors.
Telephone Consumer Protection Act
Robocalls are aggravating and distracting, often limiting your productivity and work and interrupting your time with your family. Under the Telephone Consumer Protection Act, companies cannot robocall your cell phone without your prior written consent. If a company violates this law, you are entitled to between $500-$1500 per call if you can demonstrate that the violation was willful and intentional.
If you suspect that your rights have been violated by a creditor or third-party collector, we’re ready to advocate for you. Reach out to Ciment Law Firm to schedule your free consultation.
