{"id":5870,"date":"2022-02-21T02:42:44","date_gmt":"2022-02-21T09:42:44","guid":{"rendered":"https:\/\/debtfreecolorado.com\/?p=5870"},"modified":"2022-04-12T06:28:44","modified_gmt":"2022-04-12T12:28:44","slug":"dealing-with-debt-collectors","status":"publish","type":"post","link":"https:\/\/debtfreecolorado.com\/dealing-with-debt-collectors\/","title":{"rendered":"Dealing with Debt Collectors"},"content":{"rendered":"

Debt Relief Attorney Serving Colorado<\/span><\/h2>\n

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Bankruptcy may appear to be a scary process, but it does not have to be. Dray Legal Office’s attorneys will endeavor to help you obtain a fresh start by eliminating debt and reorganizing your finances. You may be able to apply for one of many different types of bankruptcy, each of which accomplishes various aims, depending on your specific situation.<\/span><\/p>\n

We at Dray Legal Office are well aware of the enormous stress that financial difficulties may cause. We’ve helped tens of thousands of people not only get through bankruptcy but also get the financial independence they needed to go on with their lives.<\/span><\/p>\n

Our legal team<\/span><\/a> in Colorado is dedicated to assisting decent individuals who have fallen on hard times. We apply our significant legal knowledge and resources to create unique and successful legal strategies customized to each client’s specific needs. We work hard to ensure that our clients have a thorough understanding of their legal alternatives to make informed financial decisions for themselves and their families. In this article we will answer the question: What can debt collectors do to you?<\/span><\/p>\n

Does Colorado Law Protect Me From Debt Collectors?<\/span><\/h2>\n

When collecting a debt from you, collection agencies must adhere to federal and state rules. Fortunately, the federal Fair Debt Collection Practices Act (FDCPA) protects all states. The Fair Debt Collection Activities Act (FDCPA) is a bill collection legislation that protects you against invasive and abusive collection agency practices, including calling you late at night, shouting at you, and attempting to collect a debt you don’t owe.<\/span><\/p>\n

Some states, such as Colorado, have laws that protect customers against debt collectors. You have rights to help you gain control over your debt collection interactions. To learn more about pursuing your legal rights, contact your state’s local consumer agency. The Colorado Fair Debt Collection Practices Act (CFDCPA) provides consumer safeguards to Colorado citizens, and we’ll go through them here.<\/span><\/p>\n

What is the Federal Fair Debt Collection Practices Act (FDCPA)?<\/span><\/h2>\n

It is prohibited for debt collectors to utilize unfair techniques, harass, or deceive consumers while seeking to collect consumer debts under the federal Fair Debt Collection Practices Act (FDCPA). The Fair Debt Collection Practices Act (FDCPA) applies to collection firms and debt collectors attempting to recover consumer debts. Consumer debts include credit card debts, vehicle loans, medical costs, and school loans. The Fair Debt Collection Practices Act (FDCPA) does not apply to original creditors or cover company obligations.<\/span><\/p>\n

The collection agency and the individual debt collector can be sued for damages and legal expenses if they violate the FDCPA. A lawsuit for a breach of the FDCPA must be brought within one year of the violation by the debt collector.<\/span><\/p>\n

What debt collectors aren’t allowed to do under the FDCPA:<\/span><\/p>\n