For consumers, dealing with debt collectors is rarely a pleasant experience. The Fair Debt Collection Practices Act (FDPCA) was created to protect consumers from harassment by these collectors. If a debt collector violates the Fair Debt Collection Practices Act, there are several actions a consumer can take to stop the harassment, including pursuing an injunction against the debt collector.
2 Types of Injunctive Relief Following an FDCPA Violation
An injunction is a judicial order that can either stop a person or entity from taking an action or can compel a person or entity to carry out a certain action. In cases involving violations of the FDCPA, a consumer sometimes seeks one or both of the following types of an injunction:
- An injunction that forces the debt collector to stop calling. A consumer can request that the court ban the collector from calling the consumer’s home, work, family, friends, neighbors, and others. This may come as a significant relief if the collector has been harassing the consumer with multiple phone calls per day.
- An injunction that forces the debt collector to stop sending letters. A consumer can request that the court bans the debt collector from sending multiple letters. Some collectors violate the FDCPA by sending repeated letters to the consumer regarding the alleged debt.
Determining the best remedy for your case requires the guidance of an experienced professional. We have helped many people deal with FDCPA violations and we can help you as well. Contact us today at 804-282-7900 for more information.