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Federal laws like the Fair Credit Billing Act (FCBA) and Fair Debt Collection Practices Act (FDCPA) give you powerful tools to dispute errors, stop harassment, and protect your finances.
When creditors and debt collectors cross the line, you are not powerless. These laws limit what collectors can do, require fair and accurate billing, and may allow you to sue for damages if your rights are violated.
Speak with an experienced attorney who can review your situation, identify violations, and help you use these laws to your advantage.
The FDCPA applies to third-party debt collectors collecting personal or household debts like credit cards, medical bills, or personal loans.
Banned Harassment Tactics
It bans tactics such as threats, obscene language, repeated calls intended to annoy, and false statements about what you owe or what will happen if you do not pay.
Your Right to Dispute
You have the right to demand written verification of the debt, dispute it within a limited time, and request that collectors stop contacting you in certain circumstances.
Open End Credit Accounts
The FCBA covers certain open-end credit accounts, such as credit cards and some lines of credit, and focuses on billing accuracy and fair dispute processes.
Dispute Unrecognized Charges
You can dispute charges you do not recognize, charges for goods or services you never received, math errors, or payments not properly credited to your account if you act within the required timeframe.
Protected During Investigation
While your dispute is being investigated, the creditor generally cannot report you as delinquent on the amount in question if you followed the FCBA procedures.
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We review your debts for violations and invalidation opportunities.
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Our attorneys defend you from creditor harassment and lawsuits.
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Through litigation or settlement, we work toward the best possible outcome.
Our Team is always happy to help.
People struggling with unsecured debt (e.g. medical bills) seeking legal and effective relief.
No, this program only covers unsecured debts like credit card bills and medical expenses.
You have rights under the Fair Debt Collection Practices Act (FDCPA) and other consumer protection laws.
Credo Legal offers a legal approach with experienced attorneys to help resolve your debt efficiently.
You can get started by filling out our online form or calling the customer service team at (212) 561-5902
Our experienced law firm is here to guide you every step of the way.
Attorney Advertising: Prior results do not guarantee a similar outcome.
The information on this website is for informational purposes only and is not legal advice. Viewing this site does not create an attorney–client relationship. Please consult an attorney for advice regarding your specific situation.
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