Federal Fair Debt Collection Practices Act (FDCPA)

The Federal Fair Debt Collection Practices Act (FDCPA) is enacted to stop abusive, deceptive, and unfair debt collection practices by debt collectors. If you believe you have been a victim of unfair practices of a debt collector you may be entitled to money damages and payment of your attorneys’ fees.

A Debt Collector cannot: 

• Call you on telephone repeatedly and at odd hours
• Call you, but not announce who he/she is
• Disclose information of your debts to third parties
• Use abusive language
• Contact you after written notification that you do not want to be contacted
• Claim to be affiliated with any governmental organization
• Misrepresent the character, amount or legal status of a debt
• Threaten to take action not validated
• Threaten or communicate false credit information
• Use deceptive methods to collect debts
• ... and more

You can:

• Reduce or completely zero your interest payment
• Avoid or reduce late payment fees
• Combine several loans into a single low monthly payment plan
• Get your credit reports corrected
• Remove invalid or time-lapsed entries in your credit reports
• ...and more

If your being harassed by creditors and you need help, contact George S. Johnson by filling out the form at the top or by phone at 404-378-5878.  He can help.

The Law Office of George S. Johnson, LLC
The Manning Leipold Building
910 Church Street, Suite 202
Decatur, GA 30030
PH: 404.378.5878 FAX: 404.377.5750