Fair Debt Collection Practices Act

Protections for Consumers

The Fair Debt Collection Practices Act was designed to protect you, the debtor, and your rights.  If you've fallen behind on your financial obligations it is likely creditors are contacting you to seek payment.  The actions of these debt collectors, or creditors, are governed by the Fair Debt Collection Practices Act which is enforced by the Federal Trade Commission (FTC).  The Fair Debt Collection Practices Act (FDCPA) applies to the protection of individuals who have acquired personal debt and does not protect businesses.  If you are experiencing severe financial hardship, you are on the verge of bankruptcy or you have already filed bankruptcy, or you are trying to gain control of your finances through debt settlement or loan modification, than the FDCPA applies to your creditors.  If you are in an uncertain financial situation then know that the FDCPA is there to protect you.  Also know that the representation of an experienced bankruptcy attorney can make all the difference in gaining control of your finances and dealing with creditors.  Contact an experienced West Covina bankruptcy attorney who may be able to assist you.

West Covina Bankruptcy Lawyer

Creditors have strict constraints to how they interact with debtors and go about attempting to receive payment.  However, they do not always abide by these regulations.  The Fair Debt Collection Practices Act (FDCPA) is there to protect you, the debtor.  The FDCPA is a long and complicated document and individuals may not be aware when a creditor is in violation of the act.  An experienced West Covina bankruptcy lawyer from Ray Bulaon Law Offices may be able to assist you. Aggressive legal representation can go a long way in dealing with creditors and attaining financial solidity.  Attorney Ray Bulaon or a member of the team of bankruptcy lawyers from our firm will deal with creditors on your behalf and ensure they act in accordance with the FDCPA.

An attorney from our office will meet with you free of charge and confidentially to assess your situation.  Contact our offices today to schedule your free consultation to secure aggressive legal representation as you regain control of your finances.

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Contact a West Covina Bankruptcy Attorney from Ray Bulaon Law Offices for assistance if you are facing financial uncertainty and are communicating with creditors subject to the Fair Debt Collection Practices Act.