How the FDCPA Can Protect You

The Fair Debt Collection Practices Act (FDCPA) is designed to protect individuals from unfair and abusive debt collection practices. This law applies to individuals and businesses that primarily collect debt. This includes businesses that collect their own debts as well as those that collect debts on behalf of others.

Have you been abused by a debt collector? Do you receive phone calls at all hours? Has a debt collector been unnecessarily contacting your friends, family and employer? We can help.

The attorneys at Rothschild & Ausbrooks, PLLC, are committed to helping you get the relief you need from abusive debt collectors and illegal debt collection practices. For more than 30 years, we have represented debtors in Nashville and throughout Tennessee. We help clients file fair debt collections lawsuits against abusive debt collectors.

What Debt Collection Practices Are Prohibited Under the FDCPA?

Under the FDCPA, debt collectors are prohibited from contacting you "at any unusual time or place" that the debt collector knows or should know would be inconvenient for the debtor. In general and without further information, the act assumes that any time before 8 a.m. and after 9 p.m. would be inconvenient for the debtor.

Additionally, if you are represented by an attorney — and the debt collector is aware that you have a lawyer — the debt collector must communicate with you through your attorney. This means that an attorney can shield you from harassing phone calls and unwanted communications regarding your debt.

These are just two of the protections afforded to consumers under the FDCPA. Our attorneys can help you understand your rights under this law and other consumer protection laws in Tennessee.

To speak with an attorney at our firm about your consumer debt issues, contact us online or call us at 615-866-2265. We offer a free initial consultation, and we can help you through the process of getting the debt relief you need.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.