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FDCPA Lawsuits: Holding Debt Collectors Accountable

In addition to defending debt collection lawsuits, Debt Relief Alabama actively pursues claims against debt collectors who violate federal law. The Fair Debt Collection Practices Act (FDCPA) was created to protect consumers from abusive, deceptive, and unfair collection practices.

When debt collectors cross the line, you may have the right to file a lawsuit against them.

Common FDCPA Violations

Debt collectors—including companies like LVNV Funding, Jefferson Capital, and others—must follow strict rules. Violations may include:

Filing lawsuits without proper documentation or legal standing
Misrepresenting the amount or status of a debt
Failing to properly validate a debt after a dispute
Harassing phone calls or repeated contact
Using false, misleading, or deceptive statements
Continuing collection efforts after you are represented by an attorney

Even subtle violations can give rise to a claim.

What You May Recover

If a debt collector violates the FDCPA, you may be entitled to:

Up to $1,000 in statutory damages
Attorney’s fees and court costs (paid by the debt collector)
Additional damages in certain circumstances

These claims are designed not only to compensate you, but to hold debt collectors accountable for unlawful conduct.

How FDCPA Claims Can Help Your Defense

In many cases, FDCPA violations arise during the collection lawsuit itself. When this happens, we can:

Assert counterclaims against the debt collector
Use violations as leverage to resolve or dismiss the case
Shift the financial burden so you are not paying out of pocket

This creates a powerful strategy—defending the lawsuit while simultaneously pursuing your own claim.

No Upfront Cost in Many Cases

Because the FDCPA allows recovery of attorney’s fees, we are often able to handle these cases with little to no upfront cost to you. If the debt collector violated the law, they may ultimately be responsible for paying your legal fees.

If you believe a debt collector has violated your rights, contact Debt Relief Alabama for a free case review. You may not only have a defense—you may have a claim.

Schedule a Free Consultation

Debt Relief Alabama helps Hoover, AL residents handle bankruptcy and foreclosure defense with care and skill. Our lawyers guide clients through Chapter 7 and Chapter 13 bankruptcy paths. We listen to each client's story and build the right legal plan. When money problems come up, you need straight answers and real support. Call 659-212-8500 to speak with our legal team about defending your rights and moving toward a better future.