You have the right to sue a debt collector in a state or federal court within one year from the date the law was violated. If you win, you may recover money for the damage you suffered. Court costs and attorneys may also be recovered. Many states have their own debt collection laws in addition to the federal Fair Debt Collection Practices Act. Check with your state Attorney General s Office to determine you rights under state law.
Federal agencies rely on consumer complaints to decide which companies to investigate.
You can assist these enforce ment efforts by contacting the appropriate government office. Additionally, it may be very beneficial to contact your Legal Assistance Office. If your situation involves a retail store, department store, small loan finance company, oil company, public utility company, state credit union, government lending program, or travel and expense credit card company, contact the Federal Trade Commission office nearest you at the numbers listed below. The Fair Credit Act was passed to provide greater protection for the use of consumer credit. One of the most significant provisions of the act deals with billing errors.