Georgia Fair Debt Collection Law
Georgia doesn’t have a state fair debt collection law for consumers (although it does have one for industrial lenders), so if you’ve been the victim of debt collector harassment, your best bet is to use the federal Fair Debt Collection Practices Act (FDCPA) to bring the debt collection agency to justice. The FDCPA makes certain debt collector tactics illegal, and gives you the right to sue a debt collection agency in federal court. If the debt collection agency has broken the law, you can receive actual expenses, attorney fees, and up to $1,000.
With the help of a fair debt attorney, you can often reach a settlement with a debt collection agency that either puts money in your pocket or erases part or all of that debt. Complete the form to the right, and the legal team at StopCollector.com will provide you with a free case evaluation. If the debt collector has violated the FDCPA, we’ll take your case absolutely free.
File a Complaint
Even though Georgia doesn’t have a separate fair debt collection law or fair credit reporting law, you should still file a complaint with the Governor’s Office of Consumer Affairs. Filing a complaint is a way of making your voice heard, and of helping to put a stop to unethical debt collection practices.
You can file an online complaint with the Georgia Governor’s Office of Consumer Affairs by clicking here.
Here’s the contact information to call or send a written complaint to the Georgia Governor’s Office of Consumer Affairs:
Governor’s Office of Consumer Affairs
2 Martin Luther King Jr. Drive SE, Suite 356
Atlanta, GA 30334-4600
Fax: 404-651-9018
404-651-8600 or 800-869-1123
You should also file a complaint with the Federal Trade Commission (FTC). The FTC is responsible for enforcing the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. It looks at patterns of consumer complaints and holds shady debt collection agencies accountable by suing them and fining them. It’s also required to provide Congress with an annual report about debt collection and credit reporting practices that includes the number of consumer complaints filed. You can file a complaint with the FTC by clicking here.
