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What We Can Do
1. Often
debt collectors purchase names of "debtors" in lists of thousands of people. These are not the original corporations
or people to whom you owned money, so often they don't have the documentation and proof of your debt.
What We Can Do:
We can often get the entire debt dropped if there
is no documentation, or at least get the debt negotiated down.
2. Sometimes debt collectors
accuse you of debts you never owed, or debts that are way beyond what you owed.
What We Can Do: We can negotiate the debt down or get the entire debt dropped.
3.
Debt Collectors violating the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. § 1692.
• Collection Agencies and Collection Attorneys who are not the original creditors and who have taken assignment
after an alleged default have limitations on how they can collect against you.
• These Debt Collectors generally
must comply with the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. § 1692.
• These Debt Collectors
have restrictions in their acquisition of location information about the alleged debtor.
• These Debt Collectors
have restrictions in their communications with both alleged debtors and 3rd parties and Must Cease Communication when properly
requested (except as permitted by the FDCPA).
• These Debt Collectors are prohibited from harrassing, oppressing,
or abusing any person in connection with the collection of a debt.
• These Debt Collectors are prohibited
from using any false or misleading representation or means in connection with the collection of a debt.
• These
Debt Collectors are prohibited from using any unfair or unconscionable means to attempt to collect any debt.
• These
Debt Collectors are required to comply with certain notice requirements and to investigate timely disputes and to provide
verification of the alleged debt (if timely requested).
• These Debt Collectors must apply payments as the
debtor directs (where there are multiple accounts)and are limited as to where they may sue a debtor.
• The
FDCPA provides for actual damages, statutory damages up to $1,000, and for costs and a reasonable attorney's fee where the
debt collector has violated the FDCPA.
What We Can Do: Call us for a free consultation and we'll fight to get you some
compensation.
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