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Bryan P. Keenan

Possible changes to FDCPA can impact those with credit card debt

When Pittsburghers are in credit card debt or are facing other financial struggles, it can cause problems in every aspect of their lives. Personally and professionally, the fear and trepidation as to what the future holds will seem to be never ending for these individuals. A common concern is the number of calls and other methods of contact creditors and debt collectors make to try to get some or all the payments they are owed. There are certain limits to the number of calls these creditors can make and when they can be made based on the Fair Debt Collection Practices Act (FDCPA). Keeping track of the law and potential changes is important for debtors to be shielded from creditor harassment.

There have been new rules proposed to change FDCPA, though, and if they are implemented they would give creditors greater freedom to contact debtors. These modifications would let debt collectors send an unlimited number of emails and text messages to those who are behind on their bills. At the same time, there would be a reduction in how many phone calls to debtors can be made per week.

The idea behind these changes is to modernize the process. Because there has been a rise in the number of people who prefer to use email, texting, and forms of communication apart from phone calls, the goal is for the law accommodate these communication preferences. Although they may have greater access to debtors, debt collectors must give information about the debt in question so the debtor can give a sufficient response. Debt collectors also will not be allowed to issue threats about a lawsuit if the statute of limitations on it has expired.

Creditor harassment is one of the biggest fears that debtors have as they deal with credit card debt and other forms of debt. The proposed chances to the FDCPA have yet to be implemented, and debtors remain shielded by the current FDCPA. However, with the potential for change, it grows even more important for debtors to know their rights and have advice on options to get out of credit card debt whether that is bankruptcy or another strategy. Calling a legal professional who understands debt relief and FDCPA is therefore imperative.

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Bryan P. Keenan & Associates, P.C.

993 Greentree Road
Suite 101
Pittsburgh, PA 15220

Phone: 412-923-4941
Fax: 412-444-0158
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