The failure to pay debts on time is a stress in itself, and your situation is even more stressful if you are hounded by debt collectors who will do anything to earn commissions from the debts they collect. But did you know that you are protected by the Fair Debt Collection Practices Act (FDCPA)?
The FDCPA is a federal law that prevents debt collectors from being abusive or harassing debtors. An Alaskan FDCPA attorney can help protect you and your family from this kind of bad behavior.
The FDCPA and UTPCPA
The FDCPA laws in Alaska are supported by the Alaska Unfair Trade Practices and Consumer Protection Act (UTPCPA) in ensuring consumer protection from abusive, unfair and deceptive practices of debt collectors. The FDCPA is UTPCPA’s federal counterpart.
These legislation protects the consumers of Alaska by prohibiting collectors from engaging in actions that include the following:
- Threats of violence;
- Use of profanities and obscene language;
- Repeated annoying calls that amount to harassment;
- Using false and/or misleading information.
If a third-party debt collector has violated your rights, speaking with an FDCPA attorney in Alaska may be your best option for receiving compensation and getting the harassment to stop.
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Statutes of Limitations
There is specific period wherein a debtor can file a case against the person who owes them money. This is called the statute of limitations, and it differs in each state. In Alaska, debt collectors will be in violation of the FDCPA if they threaten to sue you for a debt that has gone beyond its statute of limitations.
The statute of limitations in Alaska for credit card debt is three years, and it’s also three years for promissory notes. As for contracted debts, the statute of limitations is six years for oral contracts and three years for written contracts.
For example, if you have a promissory note to pay a debt in a hospital, the hospital has only three years from the time you defaulted in payment to file a legal case against you. Beyond that, you can no longer be sued.
An attorney specializing in creditor harassment law in Alaska can help stop the harassing phone calls and letters if you have been harassed outside your debt’s statute of limitations.
Get Immediate Help from an Alaska FDCPA Attorney
Claiming for damages for FDCPA violations is a legal matter and the best person to help is your Alaska FDCPA attorney. A licensed FDCPA attorney in Alaska will not only fight to rid you of stress from collectors, but may even help you claim for various damages and remedies if a collector is in violation of the FDCPA.
These damages could include:
- Monetary remedies
- Damages due to emotional distress
- Damages due to physical distress
- Attorney fees
Besides helping you with a legal claim, your Alaska FDCPA lawyer may be the one to deal with debt collectors. If a collector learns that you are represented by an attorney, he will need to contact your attorney instead of you about your debt, in order to be in compliance with the FDCPA.
If you live in Anchorage, you will likely have many options for contacting debt collection attorneys, but because the laws are statewide, you should be able to receive assistance wherever you live.
Get Your Free Evaluation
You may not know your exact rights and need to know how strong your case is against debt collectors who you believe are violating the FDCPA. A free evaluation is available to you online, which can immediately connect you with a licensed Alaska FDCPA attorney.
This will not only free you from stress, but help you collect for possible damages if your rights have been violated.