Northstar Legal Group FDCPA

Fair Debt Collection Practices

The Fair Debt Collection Practices Act is a law designed to protect consumers and outlines the rules under which debt collectors practice. While creditors and debt collectors are allowed to attempt to collect a debt, abusive actions and behaviors are not permitted. If you’re being harassed by a creditor, Northstar Legal Group can help.


The Federal Trade Commission tracks violations of the FDCPA. The FTC files annual reports on the number and types of FDCPA violations they receive every year along with their regulatory actions. Some of the most common types of creditor harassment include:

  • Incessant phone calls, often with abusive or profane messages or calls that are late at night or early in the morning
  • Attempts to collect debts that aren’t contractually legal, such as more than the debtor owes, illegal interest, and other fees or expenses
  • Failure to send written notices, which should include information about the amount of the debt, the name of the creditor and the legal right to dispute the debt
  • Continuing to call after the consumer has provided written requests that the calls stop
  • Threatening arrest

FDCPA (Fair Debt Collection Practices Act)

If you’ve suffered from creditor harassment or abuse, you should know that you have rights. At Northstar Legal Group, we work with others just like you who are dealing with nonstop calls, abusive language and illegal behavior from debt collectors. We protect their rights, and we can help you, too. Filing a complaint with the FTC is a good place to start, and we can assess your situation, determine the type and nature of your claim and help you get your peace of mind back.

Only consumer debts are protected under the FDCPA, which includes debts that are incurred for household or personal purposes, including:

  • Medical bills
  • Credit card debts
  • Vehicle loans
  • Utility bills
  • Mortgages
  • Student loans

The FDCPA does not cover business debts, child or spousal support, tax debts, legal fees or accident liabilities.

Northstar Legal Group

When you’re being harassed by creditors, your personal and professional life can be affected dramatically. Creditor harassment can affect your mental health, your relationship, your family and your finances. You could even be facing bankruptcy. Once you have legal representation, the calls and harassment will stop. We will deal directly with your creditors on your behalf so that you and your family can have freedom and peace. Contact Northstar Legal Group today to get a free case evaluation.