Due to the present state of the economy, Texas has one of the highest debt rates in the United States.

A sad fact that many of us have to face is that more and more Americans are falling victim to debt in today’s troubling economy. If you are one of the unfortunate ones who have been hit hard by these tough economic times then I am sure you are familiar with debt collection agencies. If you are getting harassing calls at all hours of the day, threats from debt collectors or accusations that you will be arrested unless you pay your debt you can actually fight back and turn the tables on debt collection agencies.

With the help of the Fair Debt Collection Practices Act consumers are actually awarded some sort of protection against debt collectors that they might not know they have. Consumers can use this Fair Debt Collection Practices Act (FDCPA) to turn the tables against debt collection agencies.

There are certain practices that debt collection agencies may not practice while trying to collect on a debt from you. These practices include harassment, false statements, saying you will be arrested, saying they will garnish your wages or sell your property. If a collection agency is performing any of these practices then you have the right to fight back and get that debt collector to stop harassing you.

There are several types of debts that are covered under the FDCPA. These debts include personal, family, and household debts which include money you own on a personal credit card, auto loan, medical bill and your mortgage. The FDCPA does not cover any debts you incurred in order to run a business.

If you fit the criteria determined by the FDCPA then you actually have the chance to turn the tables on debt collection agencies by suing them in a state or federal court within one year from the date the law was violated. If you win the case the debt collector could be forced to pay you for any damages you suffered because of the illegal collection practices. Also, a judge may order the debt collection agency to pay you $1,000 even if you did not suffer any damages for violating the law. It is important to keep in mind that even if you win the case you will still to pay your debts as they will not go away.

If you have fallen on hard times and are constantly being harassed by debt collection agencies you may have some recourse that you are unaware existed. Consumers are protected by the Fair Debt Collection Practices Act which states that debt collection agencies may not harass you at odd hours of the day, make any false statements against you or threaten to garnish your wages or sell your property. If you are a victim of any of these illegal practices then you may actually sue these debt collection agencies. If you win your case a judge may order the debt collection agency to pay your for any damages you have incurred or even possibly pay you $1,000 even if you have not incurred any damages. The Fair Debt Collection Practices Act is a great law that really helps protect consumers from harassing collection agencies.

Below are the cities we provide help to legal victims.