Credit Card Collection Defense and FDCPA Violations

Protecting Consumers in Philadelphia from Unfair Debt Collection Practices

Not all debt collection is legal. If you are being harassed, misled, or wrongfully pursued over a credit card debt, the Law Office of Michael P. Forbes, PC may be able to help. We focus on select credit card collection cases that involve violations of the Fair Debt Collection Practices Act, or FDCPA, a powerful federal law that protects consumers from abusive debt collectors.

Located in Philadelphia, our firm has spent over 25 years helping people fight back against illegal collection tactics. If a debt collector crossed the line, we want to hear your story.

What Is the FDCPA?

The Fair Debt Collection Practices Act is a federal law designed to protect consumers from deceptive, unfair, or abusive debt collection practices. If a debt collector violates this law, you may be entitled to take legal action and recover damages.

Some common FDCPA violations include:

• Trying to collect more than what is actually owed
• Calling before 8 a.m. or after 9 p.m.
• Contacting you at work after you’ve asked them not to
• Threatening legal action they cannot take or do not intend to take
• Using obscene, abusive, or harassing language
• Failing to identify themselves as a debt collector
• Contacting third parties, such as friends or coworkers, about your debt

When We Can Help

While we do not accept every small collection defense case, we are actively interested in cases where:

• The debt collector has lied, harassed, or misrepresented the amount owed
• You believe your rights under the FDCPA may have been violated
• You are being sued by a collection agency using deceptive or abusive tactics
• You have documentation or voicemails that support your claim

We carefully review these cases and can help determine if you have a valid claim under federal law.

Speak With a Philadelphia FDCPA Lawyer Today

If you believe a debt collector is crossing the line, do not ignore it. You may be entitled to compensation under federal law. Contact the Law Office of Michael P. Forbes, PC today for a consultation.