Fair Debt Collection in Oklahoma City
Contact Our Oklahoma Consumer Protection Attorney for Help
Nearly 40 years ago, the Fair Debt Collection Practices Act was put into place. This act was specifically created to protect the consumer from unfair, abusive, and dishonest collection actions. Today, the FDCPA still works as a strong hand in the defense of consumers, preventing debt collectors from overstepping their authority and limiting the behaviors they can engage in to try to collect their money. Not only does the act provide protection for consumers, but it also provides a legal avenue for debtors whose rights have been violated to take action and seek relief.
Have you been mistreated by debt collectors? Do you feel like you are being unjustly harassed? You have rights and protections! Be sure to reach out to Alexander Hilton & Associates to discuss your case right away. Our Oklahoma City consumer protection lawyer can review your case and help you craft an effective legal strategy to hold debt collectors accountable.
Don’t let your rights be violated! Take action by reaching out to our firm for counsel.
What Actions Are Prohibited Under the FDCPA?
The FDCPA protects consumers who have personal, family, and even household debts against third party debt collectors. Business debts, however, are not covered under this act, as they are not considered to be related to the consumer. Even if you have filed for bankruptcy and got an automatic stay put in place, creditors can still violate your rights by trying to work around it.
According to the FDCPA, debt collectors are prohibited from engaging in the following:
- Communicating with restricted third parties after you have sent a letter to stop
- Engaging in deceptive or manipulative communication to find your whereabouts
- Harassing or threatening phone calls multiple times a day or at prohibited times
- Providing false information to credit bureaus or other parties about you
- Forcing you to pay more than you owe or use deceptive tactics to get money
- Unlawfully seizing or threatening to seize your property
- Threatening to file a lawsuit or get you arrested when they don’t have the power to
- Using obscene or vulgar language over the phone or through letter
These are just a few examples of actions that these collectors are lawfully banned from using to try to obtain the debts you owe. Furthermore, the FDCPA provides you the right to receive a written notice that details the amount of debts you owe and the creditor who it is owed to. If you feel like your rights have been violated in any way, you can file a complaint with the Federal Trade Commission with the help of a consumer protection attorney in Oklahoma City who knows how to craft a clear claim. If your complaint is accepted, you may be able to pursue criminal and civil penalties against the violators, including restitution.
If you believe you are being abused by debt collectors, you need to respond with incisive and effective legal action. Alexander Hilton & Associates is ready to stand up and protect your name. Fill out your free case evaluation now.
What Sets Us Apart
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Representation From a Law Firm With One of the Highest Client Satisfaction Ratings in the State.
Our dedication to client success has earned us top satisfaction ratings, ensuring you receive trusted, results-driven legal support.
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Personalized Attention From Start to Finish.
We take a hands-on approach to your case, providing direct support and tailored legal guidance every step of the way.
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Affordable Chapter 7 Bankruptcy Payment Options.
We offer flexible payment plans to make Chapter 7 bankruptcy more accessible, helping you move forward without added financial stress.
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Evening and Weekend Appointment Availability.
With evening and weekend appointments, we make it easy to get the legal help you need, on your schedule.
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A wonderful, professional attorney who cares! Recently we were at our darkest moment, financially speaking. However, Mr. Hilton clearly explained our legal rights and obligations and demystified the bankruptcy process for us. No surprises at all -- I could not recommend him more highly!Aaron
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My mother and I have used Mr. Hilton's services on two separate occasions, and we cannot say enough good things about him -- as an attorney, and as a person. He is approachable, polite, transparent about his business practices, sympathetic to each client's particular financial situation and, of course, very knowledgeable about the laws pertaining Chapter 7 bankruptcies. Whenever either of us had a question about the process, he answered our queries thoroughly, making sure we understood everything we needed to before moving forward. Subsequently, what could have been nightmarish ordeals for us both instead were handled with relative ease and care. If you are looking for someone to help you get back on track financially without judgment or the fear of being overwhelmed by what can be an arduous and costly process, then Alex Hilton is your man.Khan
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It's been almost a year since Mr. Hilton saved us from a desperate situation. He helped us overcome an incredible burden and helped relieve a tremendous amount of financial stress we were dealing with on a daily basis. Personally, I was terrified and overwhelmed and he helped make an impossible situation manageable and he did so with patience and extreme kindness. He answered all of our questions and was always prompt with returning phone calls. The entire process was seamless for us and we couldn't have asked for a better attorney to represent us during the bankruptcy process.M&S B.
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After having a flake for our 1st attorney, Alex Hilton turned our case around and got us amazing results. He worked hard on our mess of a Chapter 13 case. I will recommend him to anyone I know that is in need of a Bankruptcy Attorney. He is kind , compassionate and doesn't mess aroundFormer Client
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