Protecting Consumers Under the FDCPA, FCRA, TCPA, and State Consumer Protection Laws

Deceptive, harassing, or invasive practices by debt collectors and corporations can cause serious stress for individuals and families. Fortunately, both federal and state laws provide strong protections for consumers. At Your Damage Lawyer, PLLC, we are committed to holding violators accountable under the Fair Debt Collection Practices Act (FDCPA), Fair Credit Reporting Act (FCRA), and Telephone Consumer Protection Act (TCPA).

If you are dealing with illegal debt collection, credit reporting issues, or robocalls, our firm is here to help. We’ll guide you through your rights, protect you from further abuse, and pursue compensation where possible.

📞 Call (561) 564-0233 or contact us online to get started.

FDCPA and State Debt Collection Laws

The FDCPA restricts third-party debt collectors from engaging in abusive, deceptive, or unfair practices. Consumers are protected from:

• Harassing or repeated calls
• Threats, intimidation, or false representations
• Contacting third parties about your debt
• Failing to provide written debt validation
• Misstating the amount owed

State Debt Collection Laws:  
Most states have their own debt collection statutes that offer additional protections—sometimes applying to original creditors, not just third-party collectors. These laws often mirror or expand on the FDCPA and may allow for additional damages or legal remedies.

Fair Credit Reporting Act (FCRA): Your Credit, Your Rights

Your credit report affects nearly every part of your financial life - from loan approvals to employment opportunities. The FCRA was enacted to ensure the accuracy, fairness, and privacy of the information in your credit reports.

Violations of the FCRA may include:

• Reporting inaccurate information without proper investigation
• Failing to correct errors after a dispute
• Sharing credit information without permission
• Pulling a credit report without a valid reason ("hard inquiries")

If your credit report contains incorrect or outdated information, or if your credit has been pulled unlawfully, we can help you enforce your rights and seek financial recovery.

Telephone Consumer Protection Act (TCPA): Stopping Robocalls and Spam Texts

Unwanted robocalls and spam texts can feel endless - and illegal. The TCPA restricts companies from:

• Making automated calls or texts without prior express consent
• Calling individuals who are on the National Do Not Call Registry
• Using prerecorded messages or auto-dialers to contact your mobile phone

Consumers can recover $500 to $1,500 per violation depending on the circumstances. If you’ve been bombarded by telemarketers or spam texts, we can assess whether your rights have been violated and pursue a claim on your behalf.

How We Help Consumers

At Your Damage Lawyer, PLLC, we represent individuals in cases involving:

• Harassment by debt collectors
• Inaccurate credit reporting
• Illegal robocalls and spam messages
• Unfair business practices

We take these matters seriously, and we have the tools to help you:

• Identify and stop illegal conduct
• Communicate directly with credit agencies or collectors
• File claims for damages
• Demand corrections to your credit reports
• Prevent future violations

Take Action to Protect Your Rights Today

If you believe your consumer rights have been violated under the FDCPA, FCRA, TCPA, don’t wait. These laws are in place to protect you - and with the right legal guidance, you may be entitled to compensation.

Call Your Damage Lawyer, PLLC at (561) 564-0233 or contact us online to schedule a consultation.