What remedies are available if a debt collector violates the Fair Debt Collection Practices Act?
In Virginia, if a debt collector violates the Fair Debt Collection Practices Act, the consumer may be entitled to various remedies. If the violations are found to have been made willfully, the consumer may receive up to $1,000 in damages plus court costs and attorney’s fees. Additionally, the consumer may be able to recover any actual damages that may have resulted from the violation, such as lost wages or medical bills. In addition to the above remedies, the consumer may also seek an injunction or restraining order against the debt collector from engaging in further violations of the Fair Debt Collection Practices Act. This allows the consumer to seek relief from the court and force the debt collector to comply with the minimum standards of conduct established by the Act. The consumer may also be able to rescind any contracts signed by the debt collector in a fraudulent manner, thus allowing the consumer to avoid any obligation to pay any outstanding balances under that contract. Finally, the consumer may be able to pursue a civil action against the debt collector, allowing the consumer to collect damages for any violations of the act. This civil action may allow the consumer to recover any lost wages, medical bills, and other damages incurred from the violations committed by the debt collector.
Related FAQs
How can I protect myself from identity theft?What should I do if I receive a credit card with pre-approved charges?
How do I report credit card fraud to the authorities?
How can I protect myself from over-limit charges?
What should I do if I receive a notice of collection from my credit card company?
What is the Truth in Lending Act?
What is credit card dispute resolution law?
What types of electronic funds transfers are covered by the Electronic Fund Transfer Act?
How can I protect myself from errors and fraudulent charges on my credit card?
How does the Electronic Fund Transfer Act protect credit card consumers?
Related Blog Posts
A Comprehensive Guide to Credit Card Dispute Resolution Law - July 31, 2023What to Know About Credit Card Dispute Resolution Law Before You Dispute a Transaction - August 7, 2023
Get Your Money Back: Understanding Credit Card Dispute Resolution Law - August 14, 2023
What Credit Card Companies Don’t Want You to Know About Credit Card Dispute Resolution Law - August 21, 2023
Understanding the Steps Involved in Credit Card Dispute Resolution Law - August 28, 2023