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What clients says about us
1 day ago

I cannot recommend this firm enough. Vanessa navigated me through the entire process until I was fully recovered. Alice was very responsive and attentive with any questions or concerns I had. They made sure I was well-informed with the entire process since this is my first car accident. I was more than satisfied with my settlement as well. I highly recommend the Norcross Law Firm & Shireen Hormozdi's team to assist you with any legal needs if you are ever in an accident!

Thao Le
6 days ago

Vanessa and Nancy are the best. They helped me in everyway to get me fully recovered. They are response quick and very attentive. I'm satisfied with my settlement. Thank you so much.

Phuong Linh Nguyen
3 years ago

This is the best law firm in ATLANTA hands down! I hired a lawyer right after my accident happened and I heard nothing for over 8 months! Mrs Hormozdi and Vanessa were hired after 8 months of no response from my previous lawyer and within weeks I received an update on my case. Literally in less than 6 months Vanessa was able to settle my case and I couldn’t be happier! Both ladies communicated with and updated me throughout the entire ordeal. If you’re interested in an amazing accident lawyer look no further!

Nikky Crosby
federal consumer law:

Fair Debt Collection Protections Act (FDCPA)

The Fair Debt Collection Protections Act (FDCPA) is a Federal law which was enacted in March 1978 that was designed to protect consumers by regulating debt collectors. This includes eliminating deceptive, abusive, and unfair debt collection practices and setting the rules on interactions between debt collectors—such as bill collectors, corporate collections departments, and collections agencies—and those they are seeking payment from.

The FDCPA applies to every state in the U.S. and covers the collection of mortgages, medical debts, credit card debts, and other debts related to personal, family, or household purposes. The FDCPA does not cover business debts and does not generally cover collection being conducted by the original creditor.

Schedule your Consultation Or Call678-395-7795

What Can Debt Collectors Not Do?

The FDCPA forbids aggressive and abusive practices in an attempt to collect on a debt. This includes:
  • Using obscene, profane, or abusive language
  • Using or threatening violence
  • Claiming you owe more than you actually do
  • Calling you repeatedly or contacting you at an unreasonable time (FDCPA law considers calls before
  • Contacting you at work when your employer forbids it
  • Calling and not identifying themselves as debt collectors
  • Claiming to be an attorney if they’re not
  • Giving out false information about you
  • Claiming you will be taken to jail
  • Claiming they will garnish your wages, place a lien on your income or home, or otherwise seize your property
  • Sending papers that resemble legal paperwork
  • Adding on unauthorized fees, interest, charges, or payments
  • Contacting third-parties other than your attorney, the original creditor, or credit bureaus other than an attempt to secure contact information for you

It is important to remember that unless you have notified creditors, in writing, that you wish for them to stop contacting you, they can also contact your parents (if you are a minor), co-debtors, and/or a spouse. Once they are notified in writing of your wishes, then they are only permitted to contact you again to state that there will be no further contact. This letter does not prevent the debt collector from pursuing other legal ways to collect on the debt, however. This may include reporting negative information to credit bureaus or a lawsuit against you.

Schedule your Consultation Or Call678-395-7795

What Are Debt Collectors Required to Do?

Any debt collector that contacts you claiming that you owe a debt is required by law to tell you certain information about that debt.
This includes the following:
  • The name of the creditor
  • That you can request the name and address of the original creditor if it is different from the current creditor
  • The amount you owe
  • That you have the ability to dispute the debt

Debt collectors are required to state this in their initial contact with you. If they fail to do so, they must provide you with a written notice including this information within five (5) days of the initial contact.

Protecting Your Rights

The FDCPA provides consumers with civil remedies if their rights are violated under the act. If a creditor has been harassing you over a debt, you may be entitled to monetary damages up to $1,000.00, as well as your attorney fees and costs. FDCPA violations do not excuse or eliminate the debt, but they may aid in negotiations.

Fair Credit Reporting Act (FCRA)

The Fair Credit Reporting Act (FCRA), enacted in 1970, is a Federal law which protects consumers from abusive credit practices while still allowing certain entities such as employers, lenders, landlords, and insurance companies to use credit reports to determine credit risk.

Prior to 1970, consumers did not have the right or ability to know what information was listed on their credit reports. In addition, if a consumer was somehow able to learn that the information on the report was erroneous, there was no way to get that information changed and there were also no limits on how long listings could remain on the report, meaning errors could haunt someone for their life.

The FCRA controls the behavior of consumer reporting agencies (CRA)—also known as credit bureaus such as Equifax, TransUnion, and Experian—and the businesses or individuals that report information to the CRA’s. The CRA will then compile this information into your credit report. The FCRA provides rules about who can access your report, what can be reported, how long it can be reported for, and what CRA’s and/or other information providers are required to do if you dispute the information.

If there is a violation of the FCRA, a consumer has legal rights, including suing in court.

Schedule your Consultation Or Call678-395-7795
Rules of the FCRA for Credit Reporting Agencies
When CRA’s make mistakes, it can be costly for consumers. It may prevent you from getting a job, renting an apartment, or getting approved for a loan. Under the FCRA, CRA’s are required to do the following:
  • Grant you free access to your credit report (The FCRA allows for one free report annually from each of the top three (3) CRA’s through FTC.gov)
  • Control how long items stay on your credit report
  • Limit other companies access to your credit report
  • Give you the right to dispute inaccuracies on your credit report

If there is a violation of the FCRA, a consumer has legal rights, including suing in court.

If there is a violation of the FCRA, a consumer has legal rights, including suing in court.

Contact us to get Started on your Case Together!

The Norcross Law Firm specializes in Car Accidents, Federal Consumer Law (Fair Debt Collection Practices Act), and Estate Planning.