Fair Debt Collection Practices Litigation

Fair Debt Collection Practices litigation is often the consequence of a violation of The Fair Debt Collection Practices Act. This Act is a United States statute that was added in 1978 as Title VIII of the Consumer Credit Protection Act. Its purposes are to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information's accuracy. The Act creates guidelines under which debt collectors may conduct business, defines rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. It is sometimes used in conjunction with the Fair Credit Reporting Act.

Shook, Hardy & Bacon L.L.P. (SHB) provides expert advice to companies offering consumer financial services and products. A majority of cases center on Fair Debt Collection Practices. Litigation is often the end result on these types of cases, and it is imperative to work with a law firm like SHB that is experienced in this detailed and ever-changing legal arena.

Our Fair Debt Collection Practices Litigation team is part of our Consumer Financial Services Law Practice. We have considerable experience representing banks, credit unions, mortgage companies, consumer lenders, auto lenders, credit card issuers and retailers. We also advise clients on how to minimize exposure to consumer class action litigation.

We possess extensive litigation experience that includes the defense of class actions, as well as common contract law and tort claims. The attorneys on our Fair Debt Collection Practices litigation team have worked in conjunction with other attorneys in the firm to successfully represent financial institutions in cases that involve alleged violations of the state and federal statutory provisions listed above. In addition, the group has represented clients in investigations and proceedings before numerous federal and state agencies, including the Federal Trade Commission, Federal Deposit Insurance Corporation, Federal Reserve Board, and Internal Revenue Service.

If you think your rights have been violated or if you think you are a candidate for Fair Debt Collection Practices Litigation, contact us today.