Your Rights Against Debt Collectors
The Fair Debt Collection Practices Act, often referred to as the “FDCPA”, was passed by Congress in response to abusive conduct by collection agencies. The purpose of the Act is to provide guidelines for collection agencies which are seeking to collect legitimate debts, while also providing protections and remedies for consumers who are subjected to harassment.
The FDCPA applies to personal, family, and household debts, including debts associated with the purchase of a car, for medical care, for retail financing, for first and second mortgages, and for money owed on credit card accounts.
We get our clients awards of up to $1,000, release from debt, and our attorney fees.
Debt collectors are NOT ALLOWED to:
- Take actions against you that are deceptive, fraudulent, or designed to harass or intimidate you
- Make repeated telephone calls or call at unreasonable times (Before 8am or After 9pm)
- Send you letters which appear to have come from a court
- Make false representations in association with efforts to collect
- Seek collection fees or interest charges not permitted by your contract or by state law
- Threaten you with arrest if you do not pay
- Communicate with anyone other than you regarding your debt, or give out any information to a third party
- Call you at your job
If your rights have been violated, we sue on your behalf.
We’ll make sure that your rights are protected and that you aren’t taken advantage of by debt collectors who think they can use illegal tactics to get you to pay.
Call Rosenberg, Miller, Hite & Morilla, LLC and meet with an experienced attorney at no cost.
Bring to the First Meeting:
* Notes you take regarding phone calls received from debt collectors
* Any and all letters from collectors
* Any questions you have for us regarding the FDCPA and your situation
* Take notes about the call!
What To Do When Debt Collectors Call:
1) Who did you talk to?
2) What Collection Agency are they calling from?
3) What time and date did they call?
4) What did they say?
Frequently Asked Questions:
Q: What if I really owe this debt?
A: It does not matter if you owe. If they violate the FDCPA we can still have the debt removed and get your money damages at no cost you.
Q: The letters I am receiving are from an attorney’s office. What should I do?
A: Attorney’s are held to even a higher standard of the law than a collection agency. Save all the letters, make notes of the phone calls and contact us immediately. Your rights are protected under the FDCPA.
Q: What if I have already filed bankruptcy, but collectors are still calling me? What do I do?
A: You are protected under FDCPA and Bankruptcy Law from debt collectors for an amount incurred prior to filing of Bankruptcy. We may get your debts released and money damages at no cost to you!
Q: What if collection agencies or collectors are contacting my friends and family regarding my debt?
A: It is a blatant violation of the FDCPA for collectors to contact anyone other than you regarding your debt. Contact us immediately! We will get you money damages at no cost to you!