Let ME Fight For Your Rights!

Fair Debt Collection Practices Act (FDCPA) protects you, the consumer, from the harassing tactics of debt collectors and insures you damages of up to $1,000, plus your attorney fees. So... you don’t pay us, the collectors do!

Examples of harassing tactics collectors take that are in violation of the FDCPA:

• Lying or deceiving when trying to collect a debt

• Calling you with the intent to harass you

• Threatening violence or using profane language when speaking with you

• Telling your friends, neighbors, employers and spouse that you owe a debt (whether on purpose or not!)

• Threatening to sue you

• Deceiving you into believing they are a law firm or law department (Pre legal – Collections)

• Thretening to ruin your credit (even when they don’t plan to report)

• Charing interest not authorized by the agreement creating the debt

• Depositing a post dated check prior to the date you authorized

• Contacting you at work

• Contacting you at an inconvenient place or an inconvenient time

• Sending you information on a post card

• Failing to mail you to give you the opportunity to challenge the alleged debt

• Not disclosing that the call is an attempt to collect a debt

Even if the Collector just left a message all of these apply.