Protect Your Rights
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:
Consumer Protection Against Illegal Debt Collection Practices
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.
Tell us about your Debt
We respect your privacy. The information you provide will be used to answer your question or to schedule an appointment if requested.
Schedule A Case Review
Latest Blog
5 Common Fair Credit Reporting Act Violations by Debt Collectors: What You Need to Know Before Suing
Regardless of whether they are intentional, Fair Credit Reporting Act violations represent serious threats to your credit and your future. Various entities …
How to Sue Debt Collectors for FDCPA Violations in Texas
The Fair Debt Collection Practices Act (FDCPA) is a federal law that protects consumers against abusive or harassing third-party debt collectors. Here, …
Student Loan Assistance in Texas: Other Repayment Programs That Might Be Right for You
This is the third installment of a three-part series highlighting student loan repayment programs. In this article, debt resolution attorney and owner …
Student Loan Assistance in Texas: How Do I Know if PAYE Is the Right Option for Me?
Are you struggling to pay back your student loans? You’re not alone. Forty-eight million Americans have federal student loan debt totaling $1.6 …
Ciment Law Firm, PLLC, THE Debt Defenders Launches Spanish Website
(KATY, Texas) Ciment Law Firm, PLLC, THE Debt Defenders, is proud to announce the launch of its new Spanish website for Debt …
Is an Income-Contingent Repayment Plan Right for Your Student Loans? A Texas Debt Resolution Attorney Explains
The COVID-19 pandemic offered a generous reprieve from student loan repayments. However, payments are set to resume on January 1, 2023. Creating …