WHEN YOU CAN'T TAKE ANY MORE!
STOP DEBT COLLECTORS FROM ABUSIVE, DECEPTIVE AND UNFAIR COLLECTION PRACTICES.
If you think you have been abused, harassed, treated unfairly, deceived or threatened, you probably have been. Free initial review of your claim by a consumer law firm, and if you sue, you pay nothing.
If the collector has violated the Fair Debt Collections Practices Act (FDCPA), you can receive actual damages plus a statutory penalty of up to $1,000.00 per violation. We charge you no fees and advance the court costs. If you win your claim, the collector pays the court costs and your attorney fees. If you lose, you pay nothing.
DO YOU HAVE A CLAIM?
The FDCPA protects you from abusive, deceptive and unfair debt collector practices. Debt collectors are collection agencies and attorneys trying to collect your debt after your creditor has stopped its efforts. Collectors must follow the law or be subject to suit. You may have a claim if the collector has:
1. Used offensive language (profanity, name calling, racial slurs)
2. Harassed you with repeat calls ( Several on same day; every day over a period of days; calls and hangs up; or combination of the preceding)
3. Disclosed your debt information to a third party (Discusses your debt with an employer, your relative, a neighbor)
4. Threatened you with action that the collector can not take (Says they are going to garnish your wages and they have not even sued you yet)
5. Claims to be a lawyer or government official when they are not (Collector claiming to be in a law firm when in a collection agency)
6. Contacted you without identifying themselves has a collector (Must tell you they are a debt collector and calling for the collector)
If you are abused by the collector, then you probably have a claim.
The FDCPA establishes the rules for the collection of debts by debt collectors. Collectors must stay within the law or be subject to suit.
WHEN CONTACTING YOU:
- Must Call between 8:00 A.M. and 9:00 P.M, your time zone
- Must NOT Contact you if you have sent them a cease letter
- Must NOT Contact you if you have an attorney representing you
- Must NOT call you at work if the employer prohibits it or you tell them not to call you at work
- Calling you when you tell them it is inconvenient or inappropriate
WHEN CONTACTING THIRD PARTIES:
- Collector MUST state their name, give the name of their employer if asked by the caller, state that the collector is trying to locate or verify contact information
- Collector MUST NOT discuss the debt or even mention that the purpose of the call is to collect a debt
- NEVER Call the third party again, unless the third party agrees to be contacted again
- NEVER Contact a third party once you are represented by an attorney
DEBT COLLECTORS CAN NOT:
- Harass you
- Abuse you
- Deceive you
- Use profane language
- Call you derogatory names
- Call you repeatedly
- Call you and NOT disclose their identity and that they are collecting a debt
COLLECTOR DECEPTIVE PRACTICES:
- Claiming the collector is an attorney when they are not
- Claiming the collector is working for a government office and they are not
- Claiming the case is going to be sued and it is not
- Claiming that they will garnish your wages when suit is not filed
- Overstating the amount owed
- Overstating the additional fees, interest charges, or penalties on this debt
- Threaten legal action when the case is barred by the statute of limitations
- Threaten garnishment of wages when case is not even filed
- Threaten to take actions that the collector never intends to take
We charge no fees to review your claim. If you have a case and we sue on it, we advance court costs. If recovery is made, you receive your actual damages and the statutory penalty. You do not pay the court costs or the attorney fees. The collector pays the court costs and our attorney fees. If no recovery is made, you pay nothing. Win or lose, you pay -o-.
Contact us today by calling 602-GOT-DEBT (602-468-3328).
