You have one year from the date of the violation to file a complaint. If the third-party debt collector violates the regulations, you can sue the collection agency for statutory damages, actual damages, attorney’s fees and court costs. The FDCPA provides broad protection from unfair collection practices for your personal debts. They cannot misrepresent the status of legal documents relating to your debt.
Working with a knowledgeable lawyer can make the process smoother and get to a resolution sooner than later.
While these laws govern how debt collectors may collect a debt, it can be difficult to understand just what your rights are without help. You have certain protections from aggressive and unscrupulous debt collectors under state and federal laws such as the Virginia Fair Debt Collection Practices and the federal Fair Debt Collection Practices Act (FDCPA). Confusing information and intimidating warnings can lead you to make the wrong decisions about allocating your budget wisely.
When you receive threats from debt collectors, it can be a frightening experience. You may be doing your utmost to get out from under the burden of debt. Are you being harassed by debt collectors? Carrying a load of debt is stressful.