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• Fair Debt Collection Practices Act
• FDCPA- Case Results and Settlements

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Frequently Asked Questions

Q:

Do I have any recourse if I think a debt collector has violated the law?

A:

You have the right to sue a collector in a state or federal court within one year from the date the law was violated. If you win, the judge can require the collector to pay you for any damages you can prove you suffered because of the illegal collection practices, like lost wages and medical bills. The judge can require the debt collector to pay you up to $1,000, even if you can’t prove that you suffered actual damages. You also can be reimbursed for your attorney’s fees and court costs. A group of people also may sue a debt collector as part of a class action lawsuit and recover money for damages up to $500,000, or one percent of the collector’s net worth, whichever amount is lower. Even if a debt collector violates the FDCPA in trying to collect a debt, the debt does not go away if you owe it.

If you feel like a debt collector has violated the law in reference to your situation, please fill out our Free Fair Debt Questionnaire.