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FDCPA/Zombie Debt

The Law Offices of Andy Winchell represents consumers in actions against debt collectors when they violate federal laws. Debt collectors are defined by the Federal Trade Commission as "someone who regularly collects debts owed to others." These include collection agencies, attorneys who collect debts on a regular basis, and companies that buy delinquent debts and attempt to collect them. 

Notably, we bring actions against debt collectors who purchase discharged debt or debt beyond the statute of limitations, often referred to as "Zombie Debt." Debt buyers purchase debt that is not enforceable and then attempt to collect it. An example of this is debt that has been discharged in bankruptcy. We bring actions on behalf of our clients to combat these illegal practices.

We also represent consumers in actions against debt collectors when they violate federal laws against abusive debt collection pursuant to the Fair Debt Collection Practices Act, or the FDCPA. The FDCPA is a federal statute that governs debt collectors' behavior and prohibits them from taking certain types of actions against consumers. Examples of illegal behaviors include harrassment, use of false information, and threats of arrest. When debt collectors violate the FDCPA, we bring actions on behalf of our clients to stop the practice and recover damages on your behalf.