Adam Alexander May Be Able To Help With All Your Credit Help Needs In Dearborn!
Many different debts are covered under the FDCPA - personal, family, household and more. 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.
You can stop a collector from contacting you by writing a letter to the collection agency telling them to stop. Once they receive your letter, they may not contact you again except to say there will be no further contact. The agency may notify you if the debt collector or the creditor intends to take some specific action.
A debt collector must identify himself/herself as a debt collector and must provide you with a statement that he/she is calling to collect a debt Within five days after you are first contacted, the collector must send you a written notice telling you the amount of money you owe; the name of the creditor to whom you owe the money; and what action to take if you believe you do not owe the money.
Our motto: "One Client at a Time" is based on our commitment to individualized legal services that focus on each Dearborn client's particular circumstances.
Our firm's goal is to protect Dearborn consumers against deceptive, unfair and abusive debt collection and reporting practices. If you feel you have been deceived or treated unfairly, we are here to serve as your Credit Help firm.
Credit Help and Legal Advice In The Dearborn 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.