What do i do when a creditor violates the FDCPA law?
Ok i have an account with a company and it was sent to collections. today was the first time that the outside agency has made contact with me. the represenitive that i talk to was very rude and we argued for all of the conversation. when we got off the phone i remembered that she was so busy yelling at me that she forgot to tell me my mini maranda, debt collecter discloser and the 2 party consent.i know that since she forgot to tell me those disclosers she has violated my rights and broke the FDCPA law. What should i do now??
Answers:
If a creditor actually violates FDCPA you should contact an attorney - and there are attorneys who specialize in this type of litigation. Attorney fees are recoverable in litigation under FDCPA.
You should go see a financial advisor. You really won't get anywhere if you try to sue.
No there isn't any 'miranda' or disclosure that a collector has to say to you over the phone. They are allowed to call you every day and take other actions under the law. No rights were violated.
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