Debt Collection Harassment
The Davis Consumer Law Firm is ready to fight on your behalf. We can contact your debt collector and put an end to the collection harassment. Call the Davis Consumer Law Firm or submit the form below.
(Serving consumers in Pennsylvania, New Jersey, and Maryland)
Debt collectors are calling you non-stop and the phone has now become your bitter enemy. You're either pushing through a tough financial situation and falling behind on payments, or being called on a debt from years ago or one that is not even yours.
There are some rights that you have as a consumer to protect yourself and put yourself in control from debt collector abuse thanks to the Fair Debt Collection Practices Act (FDCPA). If you've faced a debt collector that has not complied with any of the actions below, you may be entitled to financial compensation.
What you should do
If you've been contacted regarding a debt that is NOT yours:
Dispute the debt immediately
Request proof or validation of the debt
Some collection agencies are even starting to respond to validation requests with summons to appear in court. A collection agency cannot file suit against you if they haven't validated the debt within the initial 30 day period. If they did, they may have broken an FDCPA violation. Give Davis Consumer Law Firm immediately at (855) 4-DAVIS-LAW so we can fight it on your behalf.
If you've negotiated partial payments with a Creditor and the collector demands full payment:
Follow the steps above.
It is not illegal for the collector to ask for larger payment installments in a quicker timeframe and negotiate on its own terms, BUT it is against the law for him/her to make misleading or false statements to collect the debt. If you mention the Creditor will acccept partial payments, the collector is not allowed to tell that "only a full payment is accepted."
Collectors may not tack on interest, fees or other charges for the original debt unless:
Please complete the form below for a free no-obligation case review. An attorney will be in contact with you shortly.