When Creditors Break the Rules: Your Rights Under the FDCPA

Send us Fan MailEpisode Summary:Most people in debt believe they have no rights when creditors and collectors come calling. They're wrong. In this episode of Clear Your Debt, Claim Your Future, attorney Efstathios Georgiou of Georgiou Law breaks down the Fair Debt Collection Practices Act (FDCPA) — the federal law that protects consumers from abusive, deceptive, and unfair debt collection.You'll learn what the FDCPA actually covers, who it applies to, and the concrete rights it gives you, including limits on when and how collectors can contact you, your right to demand that contact stop, and your right to dispute a debt and force verification. Efstathios also explains the validation notice collectors are required to send, the damages available when the law is violated — including statutory damages and attorney fees — and the layered protections New York consumers have beyond the federal floor under New York General Business Law § 601 and NYC's consumer protection rules.Finally, he covers why documentation is everything when pursuing an FDCPA claim, the strict one-year statute of limitations, and how hiring a law firm can stop collector contact the moment you're retained. Knowing the rules changes how you experience the collection process. You are not powerless.If debt collectors are contacting you and you believe their conduct may be crossing legal lines, Georgiou Law can help you evaluate your situation and understand whether your rights have been violated. Call (917) 764-3072 or visit georgioulawpllc.com to learn more. Georgiou Law represents New York consumers in credit card debt defense and consumer debt settlement.This podcast is for general informational purposes only and does not constitute legal advice. Listening to this episode does not create an attorney-client relationship.