OUR PRACTICE AREAS
Reznik Law Firm practice areas include but not limited the following
Fair Debt Collection Practices Act
The Fair Debt Collection Practices Act (FDCPA) is a federal law that protects consumers from abusive debt collection practices. Because of the size of the debt collection industry, violations of the FDCPA are frighteningly common and it is imperative that consumers are familiar with their rights under this statute.
Under the FDCPA, a consumer is entitled to statutory damages, actual damages, emotional distress damages and attorney’s fees and costs. Therefore, there is plenty of incentive for both a consumer and an attorney to take these cases on.
Fair Credit Reporting Act
The Fair Credit Reporting Act (FCRA) is a federal law that regulates how consumer reporting agencies and creditors report and access your credit history. The most common consumer reporting agencies are known as the Big Three: Transunion, Experian and Equifax. These credit bureaus gather and sell information about you to creditors, employers, landlords and other businesses. In addition, any creditor that furnishes any information to a credit bureau is subject to the FCRA. It is crucial to be aware of your rights under the FCRA to ensure nothing from your credit history is inaccurately reported.
Telephone Consumer Protection Act
The Telephone Consumer Protection Act (TCPA) is a federal law that prohibits communications to consumers through the use of automatic telephone dialing systems or by artificial or prerecorded voice messages without consent. Although consumers receive these types of automated and prerecorded calls on a routine basis, very few are aware that these types of communications are unlawful and even a smaller minority are actively enforcing their rights under the TCPA. Many consumers sincerely believe that these calls are simply a part of modern day life and there is nothing that can be done. However, the TCPA is both the shield and the sword against these unwanted and frustrating communications.