STOP harassment from debt collectors
Are you feeling overwhelmed by constant calls, letters, and threats from debt collectors? Are you losing sleep, feeling stressed, and unsure of your rights? You’re not alone. Millions of people face debt harassment every day. But remember, you have rights and we’re here to help you enforce them.
We are a team of experienced attorneys specializing in debt harassment cases. Our mission is to protect your rights and provide you with the peace of mind you deserve. We have a deep understanding of the Fair Debt Collection Practices Act (FDCPA) and use this knowledge to shield you from unethical debt collection practices.
Legal protection
The FDCPA
Fair Debt Collection Practices Act (FDCPA) is a federal law designed to protect consumers like you from abusive, unfair, or deceptive practices by debt collectors. It’s your shield against the storm, and we’re here to help you wield it.
fight back
Level the debt collection playing field
The FDCPA requires debt collectors to be honest. They cannot lie about the amount you owe, falsely claim to be attorneys or government representatives, falsely claim you have committed a crime, or misrepresent that they operate or work for a credit reporting company.
Frequently Asked Questions
How does the FDCPA protect me?
– It prohibits debt collectors from using abusive or deceptive tactics to collect a debt. – It restricts when and how often a debt collector can contact you.
– It gives you the right to dispute the debt.
– It requires debt collectors to respect your privacy.
– And if a collector violates the FDCPA, you have the right to sue them in court.
What practices are prohibited under the FDCPA?
The FDCPA prohibits several practices such as:
– Calling before 8 am or after 9 pm without your permission.
– Contacting you at work if they know your employer disapproves.
– Contacting you after you’ve written a letter to the collector asking them to stop (except to notify you of a specific action).
– Using threats, obscene language, or incessant phone calls to intimidate you.
– Misrepresenting the amount you owe or the legal status of your debt.
– Publicly disclosing your debts, including to friends, family, or your employer.
What can I do if a debt collector violates the FDCPA?
If a debt collector violates any of your rights under the FDCPA, you can:
– File a complaint with the Consumer Financial Protection Bureau (CFPB).
– Report the violation to your state Attorney General’s office.
– Sue the debt collector in court.
Remember, you don’t have to face debt harassment alone. We’re here to help. Our team of experienced professionals is ready to guide you through your rights under the FDCPA and help you take action against abusive debt collectors. You deserve respect and peace of mind. Let us help you reclaim it.
Can I file an FDCPA claim myself?
Technically, yes. However, this is a complicated matter and you give yourself a much better chance with the help of an attorney.
How much does a consultation cost?
Nothing. The consultation is free.