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 pa...

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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...
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