Consumer Legal Rights
You as a consumer have various legal rights enacted by Congress to protect you. The information in this section contains a brief description of your general legal rights. For additional information on your legal rights, you may click on the individual Acts below and visit the United States Federal Trade Commission (FTC) web site at www.ftc.gov.
· Fair Debt Collection Practices Act – See the full FDCPA click here: FDCPA
· Fair Credit Reporting Act – See the full FCRA click here: FCRA
· Fair Credit Billing Act – See the full FCBA click here: FCBA
· Credit Card Act of 2009 – See the full CCA click here: CCA
· Equal Credit Opportunity Act – See the full ECOA click here: ECOA
Are You Receiving Harassing Phone Calls?
There are state and Federal laws to protect consumers from harassment by creditors and collection agencies. The Fair Debt Collection Practices Act (commonly referred to as the FDCPA) is a Federal law enacted by Congress to protect consumers from harassment by collection agencies. FSSC works with a network of consumer protection law firms, who will assist you with any violations of law whether state or Federal. If you feel a collection agency has harassed you, you should contact us immediately; you may be entitled to monetary damages.
Violations of the Fair Debt Collection Practices Act
The Fair Debt Collection Practices Act, commonly referred to as the FDCPA, is a Federal law enacted by Congress designed to protect you, the consumer. It clearly spells out the rights you have. It prohibits debt collectors from using dishonest and abusive methods of collecting money owed.
Illegal Practices in Attempting to Collect a Debt:
If you believe a debt collector has violated any of your rights under the Fair Debt Collection Practices Act, contact us at 1-800-793-5357 and we refer you to a consumer protection attorney to assist you with any violations. The debt collector may be required to pay you fines and damages.