Debt Harassment Lawyer

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Consumer Protection | We Sue Debt Collectors Who Break the Law

Debt collectors frequently violate state and federal laws when trying to collect debts.  They do this because they know they can collect more money from unsuspecting consumers this way.  Debt collectors know most consumers are not aware of their right to be free from harassment and abuse.  The Law Offices of Eric W. Kem is dedicated to helping consumers stop illegal debt collection tactics, harassment, abuse, and robocalls.  We are also dedicated to helping consumers recover money damages for abuses they have suffered.

Debt harassment is illegal.  So are robocalls and robotexts to your cellphone.  We represent people who have been harassed or deceived by debt collectors.  We also represent people who get calls and texts on their cellphones from companies who use automatic dialing equipment or artificial or prerecorded voices.  We sue these companies on your behalf under federal and state laws.  You pay us nothing to protect your rights.  We only get paid when we win your case for you.  Depending on the facts of your case, we can help you stop the harassing calls, get money damages, and get your debt erased.  We have a debt harassment attorney dedicated to representing consumers in Florida and California.

Call us today if you get calls or letters from debt collectors.  We will tell you if you have a case and help you stop the calls.  Read on to learn more about consumer protection laws and some of the common ways that debt collectors break these laws.  We want to be your debt harassment lawyer!


Debt Harassment Laws

Fair Debt Collection Practices Act  (FDCPA):

The FDCPA protects consumers against various forms of harassment that debt collectors often engage in.  When a debt collector commits one of these acts, the consumer can sue them for damages and to stop the harassment.  The compensation the consumer can recover includes up to $1,000 in statutory damages, additional money damages if the harassment caused emotional or physical distress, and attorney’s fees.  One illegal act of debt collection behavior is enough for the consumer to win the lawsuit.  (More Information.)

Telephone Consumer Protection Act  (TCPA):

The TCPA protects you from being called on your cellphone by debt collectors and companies who use an autodialing machine or an artificial or prerecorded voice.  These companies can only make these calls if you have given them consent to call you.  The fine for each call is at least $500 and as much as $1,500.  These fines are added together for large damage awards.  When debt collectors and robodialers break this law with impunity, we pursue your rights to compensation.  Take note, this law also applies to so called “wrong-number” calls.  If you get robocalls or debt collection calls on your phone for someone other than yourself, we can help you recover these fines for each wrongful call.  (More Information.)

Florida Consumer Collection Practices Act  (FCCPA):

This is a Florida law that expands some of the protections of the FDCPA in Florida.  The FCCPA extends consumer protection against the original creditors who lent the money, not just against debt collectors.  The Florida consumer can recover damages under both the FDCPA and the FCCPA.

California Fair Debt Collection Practices Act  (CFDCPA or “Rosenthal Act”):

This is a California law that expands the scope of the FDCPA for consumers in California.  The protection extends against the original creditor.  The California consumer can recover damages under both the FDCPA and the CFDCPA.

 


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