Reliable Credit Repair In Oak Park MI
Get The Credit Repair Attention You Deserve With Adam Alexander!
Personal, family, and household debts are covered under the FDCPA. This includes money owed for the purchase of an automobile, for medical care, or for credit cards. I have expert level knowledge and vast experience in to utilize these laws to attack those who overstep their bounds and defend you against those who misuse the courts.
A debt collector may not contact anyone else about your debt, except to find out where you live and work except they may contact your lawyer, if you have one. Generally, the collector cannot disclose to anyone that you owe money.
A collector may not contact you if, within 30 days after you are first contacted, you send the collection agency a letter stating you do not owe money. However, a collector can renew collection activities if you are sent proof of the debt, such as a copy of a bill for the amount owed.
Our motto: "One Client at a Time" is based on our commitment to individualized legal services that focus on each Oak Park client's particular circumstances.
At The Alexander Law Firm, we have the experience and tools needed to prosecute debt collectors and creditors who are harassing you and impacting your credit report. We are a full service consumer protection firm committed to helping clients looking for a Credit Repair firm.
Credit Help and Legal Advice In The Oak Park Area
The Fair Debt Collection Act was designed to eliminate abusive and deceptive debt collection practices. There are federal controls on what debt collectors can and cannot do while trying to collect debt from consumers. The FDCPA allows our attorneys to help end unfair communications and in some cases, seek financial assistance.
Harassment by debt collectors in attempts to collect their dues violates federal law and oversteps legal regulations. The following should be noted when dealing with agencies and collectors:
- Numerous daily phone calls without messages and hang-ups.
- Embarrassing, rude, or misleading comments used to intimidate in conversation.
- Intimidating statements either by threatening legal action or arrest, criminal prosecution or jail time, damaging your credit rating, or claims to repossess your property, cars, and other items.
Debt collectors may also be guilty of breaking both state and federal law through violations that can include:
- Trying to collect more debt than is owed or trying to extract late fees, penalties, higher interest rates, or other costs on the principal of the amount owed when you have been making on time and regular payments.
- Speaking to third parties without your permission in an effort to locate your whereabouts.
- Failure to send written notice on the amount of debt owed and the creditor to whom it is owed to.