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Consumer Rights

FAIR DEBT COLLECTION PRACTICES ACT (FDCPA)

Are you being abused or harassed by bill collectors? Do you have bill collectors threatening you or contacting your family, friends, or workplace? If you have experienced any of these actions you may have a Fair Debt Collection Practice Act (FDCPA) case.

The Fair Debt Collection Practices Act is a federal consumer rights law that protects consumers from illegal collections of consumer debts. A consumer debt includes credit cards, medical bills, student loans, or any debt that was incurred primarily for personal, family or household purposes. If a debt collector violates the Fair Debt Collection Practices Act, the debt collector is liable for either actual or statutory damages to the consumer. Additionally, the debt collectors must pay the consumer's attorney's fees if the consumer prevails in the case.

CREDIT REPAIR ORGANIZATIONS ACT (CROA)

Credit Repair Organizations are for-profit businesses that promise to repair or improve a consumer's credit rating, credit history or credit record. However, there are several practices that these credit repair organizations are prohibited from engaging in:

• The credit repair organization cannot make any false statements, or advise any consumer to lie about his/her credit history or current credit rating to a potential creditor
• The credit repair organization cannot make false statements or advise any consumer to lie about his/her identity to a creditor so that the creditor would not be able to access your credit history or current credit rating
• The organization cannot misrepresent any services they offer to a consumer or say or do anything else to the consumer that would constitute business fraud or deception
• A credit repair organization is not allowed to collect payment for any services that have not been performed yet. The organization can only collect payment after they have performed their services on behalf of the consumer.

CROA provides that the credit repair organization must pay the consumer's attorney's fees if the consumer prevails in the case.

If you have been the victim of collection abuse, wrongful credit repair, or consumer fraud call now.

To request a FREE CONSULTATION
please call 612-377-5311 today.

Buettner Law Group, LLC | 2701 University Ave. SE Suite 209 Minneapolis, MN 55414 | Phone: 612-377-5311 | Fax: 612-435-9869

The Buettner Law Group, LLC is designated as a debt relief agency by the BAPCPA. The Buettner Law Group, LLC assists consumers seeking bankruptcy relief under the US Bankruptcy Code. This website is to be used for information purposes only and should not be considered legal advice. Please contact me for professional advice on your legal concerns. This website is not responsible for the accuracy of this information. Your access to our website does not constitute a legal attorney-client relationship.