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, 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 protect against 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.
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:
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Claim that he or she is a government employee or an attorney
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Threaten to have you arrested if you fail to pay the debt
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Use unscrupulous or deceptive means to collect on a debt
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Threaten to deposit postdated checks or threaten any illegal act under the laws of your state
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Threaten to take any action that is not legal in your state
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Communicate incorrect or untrue information about your credit
If you believe that you have been contacted by creditors or debt collectors in a way that has that has violated the FDCPA, or you have questions about the creditor's or collector's practices, we encourage you to consult with an experienced Birmingham consumer law attorney that can answer your questions and review your case. 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 while clients worked on repaying their debt.
Telephone Consumer Protection Act
Cellphones are a large part of our everyday life. Unfortunately, they can often distract us from important activities and at and inconvenient times. Congress has passed laws to protect consumers from harassing or repeated calls. Without express permission, prerecorded message calls to your home or cellphone, and robocalls, 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. We are here to answer your questions and review your case.