What is FCRA, FDCPA, and TCPA Litigation?
Consumers have rights and sometimes debt collectors violate the Fair Credit Reporting Act which regulates credit reporting, the Fair Debt Collection Practices Act which regulates debt collection, and they might also violate the Telephone Consumer Protection Act which regulates robo and auto dialing of cell phones. These Acts are all federal statutes and when violations occur a consumer can sue the offending debt collector for damages.
How do I know if my rights were violated?
We offer a $25 consultation to review your case and determine if violations occurred, or if you have case that should be pursued. We are very thorough and if we think you have a case, we will tell you.
How long does it take?
It can take several months to prepare a case for litigation, and in many cases we are able to resolve your problem without filing suit. However, if we are filing suit we generally tell people it will take 9 months to 1 year before we reach a resolution, and if we end up going to trial, then it will take even longer. It's litigation in Federal Court, it's not easy and it's a process involving many different parties. Like any litigation, it is a big deal.
How much does it cost?
It depends on what you need, but we try to make it affordable because violations of the FCRA, FDCPA or TCPA really irk us.
Because sometimes the battle needs to be fought to keep a company from doing it to other people. Your case may not be the case that forces them to change their ways, but its the sum of all these cases that really make an impact. Also, you receive compensation if you win in the form of damages. We will discuss financial outcomes and liability during the consultation and throughout the process.
To find out if you have a case, just book a consult!