Debt Defense

Have debt collectors harassing you?

Many people do, and as you may know, debt collectors are not the nicest of people to deal with.  Many debt collectors have their information wrong, and even when they are confronted with the true facts of the situation, they will not admit this.  They may even try to intimidate you, make threats, and otherwise regularly violate the laws that govern them. There are laws that govern debt collectors on both a state and federal level, and if you are being harried by debt collectors, we can help you.

Debt Collector Regulations.

What you may not know is that the actions of the debt collectors are regulated.  The Fair Debt Collections Practices Act, (FDCPA) 15 U.S.C. §  1692 et seq., is a federal statute that was originally enacted in 1978 as title VIII of the Consumer Credit Protection Act. The FDCPA has very specific guidelines for what a debt collector can and cannot do.  The FDCPA also provides remedies for you if a debt collector violates the statute, including payments to you and for attorney’s fees in certain situations.

The reporting done by debt collectors and others is also regulated by federal statute.  The Fair Credit Reporting Act, (FCRA) 15 U.S.C. §  1681 et seq., provides guidelines for the collection, dissemination,  and use of consumer information, including consumer credit information.

When Guidelines Are Broken.

Not all debt collectors adhere to the guidelines set out in these statutes.  You can try to parse through the language yourself, or you can have someone do so on your behalf – someone who has read through and dealt with interpretations of the statutes before.  We have dealt with many situations where a debt collector was trying to collect a debt, both where there was a valid debt and where there was not.  We  have gained favorable results for our clients in situations where no laws were violated.  We have also gained favorable results where multiple laws were violated.

Call Today for a Free Consultation.

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We cannot evaluate your case until you call us. Once you call us, we can stop the calls from the debt collectors and work to set you free from the harrassment. Give us a call today to schedule your free consultation.