Augusta Georgia Attorneys Helping Consumers Harmed by Abusive Debt Collectors and Credit Reporting Errors
According to the terms of the Fair Debt Collection Practices Act (FDCPA), collection agencies are not permitted to harass, threaten, or intimidate debtors. If you receive multiple calls at home or at work from debt collectors, or have been threatened in writing or over the phone, you may have grounds for a civil suit. Additionally, when financial institutions fail to correct credit report errors or negligently misreport information that is harmful to a person's credit, they can be held liable for damages that occur as a result.
At the Augusta, Georgia law office of Nicholson Revell LLP, our lawyers represent consumers who have suffered harm as the result of illegal practices by debt collection agencies and credit report errors. If you have been subjected to abusive creditor harassment, or harmed by an uncorrected mistake in your credit report, you may be able to obtain damages from the debt collector or creditor.
For more information regarding consumer rights regarding debt collection practices and credit reports, contact the debtor protection lawyers at Nicholson Revell LLP today.
What You Can Do About Creditor Harassment and Mistakes in Your Credit Report
Credit card companies, banks, and other financial institutions are well aware of the FDCPA, as well as the Fair Credit Reporting Act (FCRA). As a result, they have found ways around certain restrictions through outsourcing some functions while keeping others in-house. For example, the terms of the FDCPA prohibits multiple calls from collection agencies. If a credit card company refers an account in arrears to its own internal delinquent account department, it can initiate multiple calls without running afoul of the FDCPA.
However, a debt collector or financial institution representing itself cannot continue to call you at work once you ask them to stop, nor can they engage in threatening or intimidating behavior. Likewise, once a credit report error has been identified and communicated to the party responsible, steps should be take to correct it. While it often takes months for a credit report error to ripple through the electronic environment, failure to correct an error can result in being turned down for a loan, credit card, even a job.
Bolstering Your Case Against A Debt Collection Agency or Creditor
In order to document the actions of debt collectors, banks, and others, saving phone messages, letters, email, and even monthly statements is important. While most call centers record conversations, not all calls are recorded, nor are they saved beyond a certain point in time. Additionally, once you retain our attorneys to represent you, debt collectors and other financial institutions are required to contact our office instead of you.
If you have questions regarding your rights and protections against abusive debt collection practices or mistakes in your credit history, contact the consumer protection attorneys at the law office of Nicholson Revell LLP today.
Nicholson Revell LLP
Augusta Georgia Injury Attorneys
Gateway Professional Center
4137 Columbia Road
Augusta, Georgia 30907
