We're in this Together Professional Guidance Through Consumer Protection Matters

Consumer Protection Acts Lawyers in Birmingham

A Legal Team to Protect Your Rights

As a consumer in the United States, you have rights. With various protection acts in place, debt collectors and creditors cannot bully you into paying money you do not have, and salespeople and spam callers cannot bombard you with irritating telephone calls. At Spellen Law, our consumer protection attorneys are well versed in the state and federal laws that protect consumers like you from harassment. Both the Fair Debt Collection Practices Act (FDCPA) and the Telephone Consumer Protection Act (TCPA) are important acts that keep you safe from abuse and spam. Our Birmingham consumer law attorneys have a thorough understanding of these acts and know how to apply them in their legal strategies to uphold your rights.

For more information about protection acts in the U.S. and Alabama, call Spellen Law at (205) 810-2275.

The Fair Debt Collection Practices Act

The FDCPA prevents debt collectors and creditors from engaging in unscrupulous activity in order to collect on a debt. The act has several stipulations that creditors and debt collectors must follow.

Under this law, a debt collector cannot:

  • Claim that he or she is a government employee or an attorney
  • Claim that failure to pay the debt will result in the consumer being arrested or having his or her property confiscated
  • Use unscrupulous or deceptive means to collect on a debt
  • Threaten to deposit postdated checks
  • Threaten legal action that is impossible
  • Communicate incorrect or untrue information about a consumer’s credit

If you believe that you have been contacted by creditors or debt collectors that have violated the FDCPA, it is important that you consult with an experienced Birmingham consumer law attorney as soon as possible. Spellen Law has represented countless individuals whose creditors have violated the act and has successfully stopped the harassment, threats, abuse, and other unfair debt collection practices.

Telephone Consumer Protection Act

Cellphones are a large part of our everyday life. Unfortunately, they can often distract us at important and even private times. That is why Congress has passed laws to protect consumers and their phones from harassing or repeated calls. Unless you gave your express permission, prerecorded message calls to your home or cellphone and robocalls are illegal and may result in liability of at least $500 per call and as much as $1,500 per call if the conduct is willful. At Spellen Law, we are dedicated to protecting consumers’ telephone privacy rights, whether the calls come from debt collectors, telemarketers, or anybody else.

Call us today at (205) 810-2275 if your consumer rights have been violated.

Contact Spellen Law

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