Kentucky Debt Collection Laws
Kentucky doesn’t have a state fair debt collection law, 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 Kentucky doesn’t have a separate fair debt collection law or fair credit reporting law, you should still file a complaint with the Kentucky Attorney General. Often, attorneys general use consumer complaints as the basis for filing lawsuits against debt collection agencies. 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 download a complaint form from the Kentucky Attorney General’s office by clicking here.
Here’s the contact information to call or send a written complaint to the Attorney General’s office:
Office of Attorney General
Consumer Protection Division
310 Whittington Parkway, Suite 101
Louisville, KY 40222
502-429-7134 or 888-432-9257
You should also file a complaint with the Consumer Financial Protection Bureau. The CFPB is responsible for collecting and reporting on complaints about debt collectors who may be violating the Fair Debt Collection Practices Act. The CFPB shares its data with the Federal Trade Commission, which looks at patterns of consumer complaints and holds shady debt collection agencies accountable by suing them and fining them. You can file a complaint with the CFPB by clicking here.
Lemberg & Associates’ team
of consumer attorneys is highly
skilled and ready to help you
with debt collector abuse.
If you have been the victim of harassment or illegal or unfair debt collection practices, Lemberg & Associates will discuss your options with you and protect your rights. For more information, contact Lemberg & Associates today at .
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