Get The Credit Repair Attention You Deserve With Adam Alexander!
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 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 Warren client's particular circumstances.
Our firm's goal is to protect Warren 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 Repair firm.
Credit Help and Legal Advice In The Warren 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.
- Using social media to contact you, your friends, or family members.
- 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.