Sterling Jewelers Fake Credit Cards
You may have claims if Sterling Jewelers (Kay Jewelers or Jared Galeria) enrolled you for a credit card or credit product without consent.
Fair Credit Extension Uniformity Act
The Fair Credit Extension Uniformity Act is a Pennsylvania law that prohibits debt collection harassment and deception. It also provides various legal rights to consumers, including the right to modify how debt collectors make calls.
Debt collectors that violate the FCEUA are liable for damages, attorneys’ fees, and costs. To learn how we can help when debt collectors violate the FCEUA, visit our debt collection harassment page. To get a free case review, complete our contact form.
What does the FCEUA prohibit?
In broadest terms, the FCEUA prohibits harassing, deceptive and unconscionable debt collection practices. These are not defined terms, but general concepts.
Here are common examples of debt collection practices the FCEUA prohibits:
- Repeated, frequent, or continuous phone calls, texts, or emails.
- Obscene language and threats of violence.
- Hollow threats, like threatening jail, arrest, criminal prosecution, or imprisonment.
- Attempting to collect debts that were paid or aren't owed.
- Attempting to collect fees, charges, interest, or debts that are unlawful or unauthorized.
The FCEUA also prohibits debt collection agencies from trying to deceive you during legal proceedings. This is a particularly powerful protection. For example, if your debt is past the statute of limitations, debt collectors can’t sue you.
Does the FCEUA regulate how debt collectors can communicate about a debt?
The FCEUA regulates how debt collectors can communicate about a debt.
You have the right to tell debt collectors to stop calling you. You also have the right to tell debt collectors what times, places, and methods of communication are convenient for you.
Additionally, the FCEUA regulates debt collection communications in the following ways:
- Debt collectors can't contact you by postcard.
- Debt collection agencies can't have language on envelopes that disclose that you owe a debt.
- Debt collectors can't contact third-parties about your debt (absent limited exceptions).
- Debt collection agencies can't contact you if you are represented by an attorney.
- Debt collectors must disclose their identity and contact information when they call.
- Debt collectors can't claim false affiliation with police, courts, or government agencies.
How is the FCEUA different from the FDCPA?
The Fair Debt Collection Practices Act (FDCPA) is a federal debt collection law that is similar to the FCEUA.
The biggest difference between the laws is that the FCEUA applies to debt collectors and original creditors, like banks, finance companies, and other lenders, while the FDCPA only applies to collection agencies, collection law firms, and debt buyers.
The FDCPA also provides for debt verification, certain payment protections, and venue protections.
What happens if a debt collector violates the FCEUA?
When debt collectors violate the FCEUA, they are liable for damages, attorneys fees, and costs. The damages available include up to triple any monetary loss you suffered.
If you’re harmed by unlawful debt collection practices, visit our debt collection harassment page.
Hire us to help!
If you’re having problems with debt collection agencies or law firms, please contact us for help. To get a free case review from our debt harassment attorney, complete our contact form.
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