West Virginia Consumer Credit Protection Act
Fair Debt Collection Practices Act
Telephone Consumer Protection Act
Lemon law claims
Harassing phone calls
Defending suits from creditors
Breach of implied / express warranties
Unfair Deceptive Acts or Practices (UDAP)
It’s frustrating enough knowing that you’re in debt. Whether you’re behind on credit card bills or on loan payments, the reminders in your head are never-ending. Things become much more infuriating when debt collectors are harassing you every moment of every day. It all starts with constant calls and intimidating letters, but it can begin to branch into tactics that are much worse than that.
Though you may owe a debt, you still have rights as a debtor. Through the Fair Debt Collection Practices Act, The Federal Trade Commission has laid out what debt collectors can and cannot do, and what your rights are as a debtor.
The West Virginia Consumer Credit and Protection Act also defines unfair trade practices and various types of communications and practices that collectors are prohibited from using, such as:
Anonymous, malicious phone calls
Repeated, unusually-timed calls
If you are dealing with a debt collector using these practices, call the Wolfe, White & Associates today at (304) 245-9097.
Sometimes, a creditor could have purposely failed to disclose certain elements of your relationship with them. By withholding certain information, like interest rates or other fees, you could be paying more than you ever thought you would. These unfair predatory lending practices can be looked into with help from an attorney. Contact the Wolfe, White & Associates, today.