Iowa and federal fair debt collection laws prohibit debt collection harassment and abuse. Contact us for a free initial consultation if you are being harassed or abused by a debt collector.
Despite the abuse, most debts being collected by abusive collectors should be a much lower priority for you than paying other bills, such as your house payment, feeding your children or keeping your utilities turned on.
Don’t let debt collection abuse determine your family budget!!! There are legal ways to get abusive debt collection stopped. For example, the Johnson Law Firm has helped hundreds of consumers get debt collection calls stopped. You can recover damages for even one more phone call once the collector knows you are represented by an attorney.
Ironically, abusive debt collectors are frequently collecting debt you have defenses to, such as:
- You do not owe the debt
- The debt collector is attempting to collect excessive amounts
- The debt is time barred by the statute of limitations (to old to be collectable).
- The debt buyer or debt collector does not have the documents to prove its case against you.
- compensation for unfair debt collection violations can be set off against the debt
Unfair debt collection claims can reduce or eliminate debt you owe. Even if you owe the debt, you still have the right to be treated fairly. In most cases, the Johnson Law Firm can settle debt you owe for a reduced amount, lower or eliminate future interest charges and avoid credit damaging judgments. It is very important, however, that the Johnson Law Firm is contacted as soon as possible in the debt collection process.
The Iowa Fair Debt Collection Practices Act and the Federal Fair Debt Collection Practices Act (FDCPA) protect debtors from debt collection harassment and abuse by creditors and debt collectors. The Iowa Fair Debt Collection Practices Act is part of the Iowa Consumer Credit Code.
Federal Fair Debt Collection Practices Act (FDCPA) – The Federal Fair Debt Collection Practices Act (FDCPA) was enacted to stop the use of abusive and deceptive debt collection practices. The FDCPA applies to third party debt collectors, debt collection agencies, and debt collection law firms. Original creditors collecting their own debts are not covered by the FDCPA, but most are covered in Iowa by the Iowa Debt Collection Practices Act.
Credit Card Collection Issues in Iowa – This link provides information for consumers relating to various credit card collection issues and dealing with credit card debt.