Debt Collection Law in York

Creditor and Debtor Rights

Creditor and Debtor Debt Collection Attorneys in YorkBoth creditors and debtors have rights when it comes to debt collection. Creditors have the right to seek payment, but debtors have numerous legal protections as well. Our attorneys have experience helping both creditors and debtors in debt collection matters. Contact us for assistance at 717-846-8846.

Creditor Rights

As a creditor, you must understand that there are numerous pitfalls when you seek to collect a debt. Laws such as the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Extension Uniformity Act (FCEUA) provide substantial protection to debtors. In addition, you must follow the Fair Credit Reporting Act (FCRA.) Violation of these laws will result in substantial and expensive penalties against debt collectors.

If, as a creditor or debt collector, you engage in “unfair or deceptive acts or practices” the results can be quite costly. Not only can you lose the right to collect your debt, but you might have fines levied against you. There are numerous rules about with whom you can communicate and when, as well as what you can say. There are even rules about what you can and cannot mail (for example post cards are unacceptable.)

In order to make certain you obey the laws while seeking to collect legitimate debts, contact our York creditors’ rights attorneys. We can help you obtain repayment while avoiding the myriad risks you face in your efforts to do so.

Debtor Rights

Just because you have agreed to a debt does not mean that you have agreed to be harassed during efforts to collect it. As a debtor, you have substantial protections both federally and in Pennsylvania. Violation of these laws can result in fines payable directly to you. Creditors also have to prove that you owe the debt. In addition there are time periods (statute of limitations) beyond which a debt collector may not seek to continue collection efforts without filing suit. If you are being harassed by a creditor, or believe a debt collector is seeking to collect a debt you do not owe, our debtors’ rights attorneys can assist you.

Contact Us for Help

Regardless of whether you are a creditor or a debtor, our lawyers know debt collection law and we can assist.  Contact the York creditors’ and debtors’ rights attorneys at Hoffmeyer & Semmelman today. Our number is 717-846-8846.

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Creditors' and Debtors' Rights - Debt Collection in PA
We represent both creditors and debtors in debt collection matters in Pennsylvania. Creditors have many laws they must follow and debtors have many rights.