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Things You Should Know About the FDCRA


If you are someone who is drowning underneath a pile of debt, The Fair Debt Collection Practices Act, also known as the FDRCA, was created with the intent of protecting consumers from threatening and harassing calls from 3rd party debt collection agencies. This important regulation still stands, nearly 4 decades later. Even if you are seriously indebted to creditors, these companies and agencies don’t have the right to harass you, as you are protected under the FDCRA.

The following are important things you should know about the FDCRA, and it is important to note when any of the following regulations are violated:

  • As a consumer, you have the right to sue a debt collector for violating the FDRCA. This can be done in one of two ways: as an individual, or in a class action suit.
  • It is illegal for creditors to contact you before 8AM and after 9PM.
  • You are protected from suffering from unwarranted phone calls, threats of violence, arrest, harm, or otherwise abusive language.
  • The creditors or 3rd party debt collection agencies must keep your information private, as it is illegal for them to release your private information to unauthorized parties--including family members. This includes the existence of debt.

Contact Our Chicago Consumer Attorneys Today

Atlas Consumer Law is comprised of aggressive, dedicated, and determined Chicago consumer lawyers who want to relieve you of the harassment you are enduring. If you feel you have been a recipient of FDRCA violations, you don’t have to face this alone--allow us to advocate for your rights. We will work tirelessly to ensure you are compensated for all you have endured, no matter how long it takes.

Interested in speaking to a member of our firm? Please don’t hesitate to contact us today by calling (312) 313-1613.