Attorney Fee Awards from FDCPA Cases

April 16, 2010
Damage classification and FDCPA violations

When it comes to FDCPA violations and damages, the FDCPA classifies damages into the following categories:

  1. Monetary damages. This includes payments made on time-barred debt, attorney fees and long distance phone fees.
  2. Actual damages. When a consumer experiences psychological damages incurred by the consumer including psychological damages such as stress, emotional and mental problems.  A person may also experience emotional damages such as emotional paralysis, nightmares, insomnia, anxiety, hysteria, nervousness, etc.
  3. Statutory damages.  When a consumer is able to prove that a bill collector, collection attorney or collection agency is violating the FDCPA rules, a consumer can be awarded up to $1,000 in an FDCPA claim.

Determining Attorney’s Fees


There are normally three types of ways that attorney’s decide to charge their clients for their services. The fees all depend on the kind of case they represent in court.  This includes the following:

  • Hourly fees
    • Many FDCPA attorneys charge clients on an hourly basis. In addition to an hourly fee, an attorney can also charge a retainer fee.
  • Fixed fee basis
    • This is when an attorney charges a fixed fee on the following services: drafting a contract, real estate deeds, minor criminal matters, bankruptcy cases, traffic offenses, real estate titles, etc.
  • Contingency basis
    • This is when an attorney will charge a percentage of the total amount of an award. Attorneys usually charge on a contingency basis for workman’s compensation, Social Security issues, personal injury and civil rights cases.

 

Illegal Threats of Litigation

April 15, 2010
Often times, a debt collector or collection agency will threaten a consumer with litigation.  If you have been threatened with litigation or abused and harassed by a debt collector, you have the right to file a FDCPA claim.  Under Section [15 USC 1692e] § 807(5) of the FDCPA, a debt collector is breaking the law by threatening a consumer with legal actions. In addition, they are not allowed to do the following against you:

•    Reduce your credit scores
•    Wage garnishment
•    Causing ...
Continue reading...
 

Proof: Saving Correspondence with Debt Collectors

April 15, 2010

Why it is important to save all correspondence?

Even 30 years after the Consumer Debt Protection Act was enforced, there are still a few collection agencies out there that slip through the cracks when it comes to obeying the law. It is highly recommended that you save all correspondence, letters, emails, voicemails or phone calls that have the potential to go to litigation. This can be utilized as proof in the court of law.

Recording Phone Calls Under the FDCPA

Today there are 12 states that per...
Continue reading...
 

FDCPA Cases: Actual Damages

April 15, 2010
FDCPA Judgments against a Collection Agency

Consumers can file FDCPA claims against a debt collector and be awarded for damages caused by improper practices. In addition, a consumer can also file a private lawsuit at the federal or state level. As a consumer, you don’t have to prove “actual damages” to be awarded money.

The most that you can win in a FDCPA case is $1,000. Keep in mind that you will be given 1 year to file a FDCPA claim in court. The collection agency may be held liable f...
Continue reading...
 

Your Rights Under The FDCPA Law

April 15, 2010
Under the Fair Debt Collection Practices Act (FDCPA) of 1978, consumers have protection. This gives consumers the right to sue debt collectors who are abusive. You can sue a debt collector if they do the following:

  • Call during strange hours
  • Harass or threaten you
  • Threaten to sue you
  • Threaten to embarrass you by calling family or friends
  • Continue to make collection efforts after you told them to discontinue
  • Make misleading statements in written collection notices
  • Report false information about y...

Continue reading...
 

About Me


Fighting for fair debt collection one web visitor at a time.

Blog Archive