Our Office assists to compensate people for the harassment and embarrassment they suffer at the hands of debt collectors who fail to uphold the boundaries outlined in the Fair Debt Collection Practices Act (FDCPA). This federal law details the procedures allowed when a creditor is pursuing a debt. Unfortunately, because many citizens are unaware of this POWERFUL law, collection agencies and their bill collectors freely antagonize and persistently torment citizens with embarrassing letters and phone calls to their home, workplaces, and relatives.
When bill collectors call you they have to follow strict rules and regulations. When they break these rules, federal law says that they have to pay you damages up to $1,000.00.
Bill Collectors are legally prohibited from doing the following:
A bill Collector may not charge excessive penalties and interest payments on a debt.
A Bill Collector can not verbally harass you. This means that they cannot:
• Threaten to harm you, your property, or reputation.
• Curse at you or speak in an obnoxious manner towards you.
• Call you over and over again just to make your telephone ring.
• Call you without telling you who they are.
Bill Collectors are not allowed to lie to you. This means that they cannot:
• Lie and say that they are a lawyer or government official.
• Tell you that you will be put in jail.
• Tell you that they wok for a credit reporting agency.
Threats Prohibited. Bill collectors are not allowed to tell you that:
• They will have you thrown in jail.
• They will they will garnish your wages, unless they actually intend on doing so.
Unfairness Prohibited. A debt collector may not treat you unfairly in attempting to collect a debt. This includes unfairness like the following:
• They will collect any amount greater than your debt, unless allowed by law.
• They need post-dated check in lieu of criminal prosecution or threaten to cash the check early.
• They will take your property unless this can be done legally, including wrongfully repossessing your motor vehicle
We can evaluate your claim based on any type of alleged debt, including credit cards, medical bills, student loans, auto loans, personal loans, home equity lines of credit, mortgages, and more!!!
The best part is that for this specific service, we do not get paid unless you get paid!
IF YOU ARE BEING HARRASSED BE DEBT COLLECTORS VIA TELEPHONE OR IN WRITING TAKE THE FOLLOWING STEPS:
1. Don’t throw away collection letters. Keep all of them as proof of their illegal activity.
2. Keep every voice mail that you receive from a debt collector.
3. Print a copy of our communications log in order to keep track of all telephone contacts from debt collectors.
4. Send a certified mail letter to the debt collector asking them to prove that you owe the debt.
5. Send a certified mail letter to the debt collector asking them to stop calling you.
THEN CONTACT US RIGHT AWAY FOR A COMPLIMENTARY CONSULTATION
Our firm primarily works with consumers whose rights have been violated under the Federal Fair Debt Collection Practices Act, the New York State Consumer Debt Collection Act, and other consumer protection statutes. Please click below to contact our office if you are experiencing debt
collector harrassment.
