Skilled Defense Attorneys for Collections Violations in Pennsylvania
Hynum Law in Harrisburg, PA represents lenders, creditor law firms, debt buyers and collection agencies who are accused of violating the Fair Debt Collection Practices Act (FDCPA), the Fair Credit Reporting Act (FCRA) and comparable state consumer protection laws.
Protecting creditors from violations of the FDCPA and FCRA
Congress enacted FDCPA in 1978 as part of the Consumer Credit Protection Act to eliminate abusive practices in the collection of consumer debts. Attorney Michael Hynum has extensive experience assisting collection agencies, debt buyers and financial institutions that encounter threats or law suits filed under the FDCPA and the FCRA. Since the act's passage, our knowledgeable attorneys have asserted the rights of creditors to act in good faith to collect monies owed. The firm provides clients with:
- Reliable advice on FDCPA compliance issues
- Skilled defense of lawsuits brought by debtors
Understanding the FDCPA, FCRA and the Consumer Credit Protection Act
Like many federal statutes, the FDCPA contains complex language that raises questions about how the law applies to particular creditors and debtors, and unfortunately, the courts have not always produced adequate answers to those questions. Additionally, the law has not been sufficiently updated in light of more than 30 years of technological advancement. Hynum Law provides clients with accurate and reliable analysis of the FDCPA and FCRA to ensure that creditors’ protocols and procedures remain in compliance.
Hynum Law also has extensive experience with administrative inquiries and hearings, in which governmental agencies seek to investigate, fine or take other action against collectors and creditors. The Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 (Dodd-Frank Act) established the Consumer Financial Protection Bureau (CFPB), which began operations in 2011, further adding to the list of requirements with which certain creditors and collectors are expected to comply.
Is your business operating within the proper guidelines?
As the economy lags and personal debt rises, more and more consumers are pursued to pay what they owe. Not surprisingly, there has been an increase in debtor litigation against creditors and debt collectors for alleged improper practices.
The attorneys at Hynum Law have considerable experience in consumer debt collection. We know what conduct is permissible, and what is not, and how best to defend against FDCPA claims and defeat class certification.
The firm forms early and effective strategies that produce optimal outcomes for clients accused of FDCPA and FCRA violations.
Contact a capable FDCPA defense attorney in Pennsylvania
If your organization needs advice or defense counsel for an Agency inquiry, civil lawsuit, or compliance issues, call Hynum Law today at (717) 801-1105 or contact us using the form below.