- Created: Friday, 17 August 2012 18:02
At Leavengood, Dauval & Boyle, PA (Leavengood, Dauval & Boyle, P.A.), we assist consumers in protecting their rights, especially against unlawful debt collection. Recently, there has been a trend where creditors and debt collectors either using the threat of bad marks to an individual’s credit report or credit score to get him or her to pay a debt, or the creditor or debt collector will tell an individual that by making a payment on the debt, his or her credit will be “restored” or improved through this good act. The Fair Debt Collection Practices Act (“FDCPA”) is a federal law that was passed because there was abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. A debt collector’s offer to “restore” one’s credit in return for payment―if the collector cannot truly restore that person’s credit―would be an example of a deceptive practice.