Debt Defense | Consumer Law
We represent individuals whose rights have been violated by debt collectors using unfair, abusive or illegal tactics. Just because you owe a debt does not mean that you need to be in fear of answering your phone. We enforce The Fair Debt Collection Practice Act, “FDCPA” and the Fair Credit Reporting, “FCRA”. The FDCPA and FCRA are federal laws that regulate the collection, dissemination, and use of consumer information, including consumer credit information. These laws form the basis of consumer credit rights in the United States.
Debt collectors cannot insult, lie, cheat or abuse you in attempting to collect a debt, below are examples of violations:
- Trying to get more money from you than you honestly owe.
- Calling you at work when they know your employer prohibits such calls.
- Calling your family and friends in an attempt to collect on the debt.
- Trying to collect on a debt that you do not owe.
- Threatening to garnish your wages or bank account without a court order.
- Suggesting that you will be arrested for failure to pay the debt.
- Threatening to sue you on a debt that is too old, so that it is barred by the statute of limitations.
- Speaking to you in an abusive manner.
- Filing a lawsuit against you on a debt that is too old.
We can help you stop being the victim of these and other unlawful collection practices.
Cases we handle:
- Fair Debt Collection Practices Act (FDCPA)/abusive debt collection
- Fair Credit Reporting Act (FCRA)/credit reporting errors
- Telephone Consumer Protection Act
- Inaccurate background checks or reports
- Identity Theft
- Consumer fraud
- Foreclosure Defense
- Collection Actions
- Debt Defense
- Student loans