Deprecated: Function create_function() is deprecated in /nas/content/live/johnmiser/wp-content/themes/javo-directory/library/widgets/wg-javo-menu-button-item-submit.php on line 201

Deprecated: Function create_function() is deprecated in /nas/content/live/johnmiser/wp-content/themes/javo-directory/library/widgets/wg-javo-menu-button-login.php on line 203

Deprecated: Function create_function() is deprecated in /nas/content/live/johnmiser/wp-content/themes/javo-directory/library/widgets/wg-javo-menu-button-right-menu.php on line 142

Deprecated: Function create_function() is deprecated in /nas/content/live/johnmiser/wp-content/themes/javo-directory/library/widgets/wg-javo-full-cover-layer.php on line 151

Deprecated: Function create_function() is deprecated in /nas/content/live/johnmiser/wp-content/themes/javo-directory/library/widgets/wg-javo-canvas-box-menu.php on line 48

Deprecated: Function create_function() is deprecated in /nas/content/live/johnmiser/wp-content/themes/javo-directory/library/widgets/wg-javo-recent-photos.php on line 164

Deprecated: Function create_function() is deprecated in /nas/content/live/johnmiser/wp-content/themes/javo-directory/library/widgets/wg-javo-recent-post.php on line 177

Deprecated: Function create_function() is deprecated in /nas/content/live/johnmiser/wp-content/themes/javo-directory/library/widgets/wg-javo-contact-us.php on line 109

Deprecated: The each() function is deprecated. This message will be suppressed on further calls in /nas/content/live/johnmiser/wp-content/plugins/js_composer/include/classes/core/class-vc-mapper.php on line 111
UNFAIR DEBT COLLECTION - DEBT COLLECTOR HARRASSMENT AND ABUSE INVESTIGATION - Find a Lawyer Near You, Top Class Action Lawsuits, Rebates, Open Settlements And More...
Notice: woocommerce_params is deprecated since version 3.5.6! Use woocommerce_get_script_data instead. in /nas/content/live/johnmiser/wp-includes/functions.php on line 4716

Notice: wc_checkout_params is deprecated since version 3.5.6! Use woocommerce_get_script_data instead. in /nas/content/live/johnmiser/wp-includes/functions.php on line 4716

Notice: woocommerce_params is deprecated since version 3.5.6! Use woocommerce_get_script_data instead. in /nas/content/live/johnmiser/wp-includes/functions.php on line 4716

Notice: wc_checkout_params is deprecated since version 3.5.6! Use woocommerce_get_script_data instead. in /nas/content/live/johnmiser/wp-includes/functions.php on line 4716

Notice: woocommerce_params is deprecated since version 3.5.6! Use woocommerce_get_script_data instead. in /nas/content/live/johnmiser/wp-includes/functions.php on line 4716

Notice: wc_checkout_params is deprecated since version 3.5.6! Use woocommerce_get_script_data instead. in /nas/content/live/johnmiser/wp-includes/functions.php on line 4716

Notice: woocommerce_params is deprecated since version 3.5.6! Use woocommerce_get_script_data instead. in /nas/content/live/johnmiser/wp-includes/functions.php on line 4716

Notice: wc_checkout_params is deprecated since version 3.5.6! Use woocommerce_get_script_data instead. in /nas/content/live/johnmiser/wp-includes/functions.php on line 4716

Notice: woocommerce_params is deprecated since version 3.5.6! Use woocommerce_get_script_data instead. in /nas/content/live/johnmiser/wp-includes/functions.php on line 4716

Notice: wc_checkout_params is deprecated since version 3.5.6! Use woocommerce_get_script_data instead. in /nas/content/live/johnmiser/wp-includes/functions.php on line 4716

UNFAIR DEBT COLLECTION - DEBT COLLECTOR HARRASSMENT AND ABUSE INVESTIGATION

Stop Debt Collector Abuse, Harrassment and Unfair Practices

Who is Affected?

Being Harrassed By Debt Collectors?

Want The Abuse to Stop and Hold Creditors Accountable?

Learn more by filling out the form on this page for a FREE case evaluation. 

Enacted by the United States Congress in 1978, the Fair Debt Collection Practices Act (FDCPA) protects consumers against unfair debt collection tactics implemented by unscrupulous businesses. The FDCPA sets clear guidelines for American based companies to follow for collecting debts, as well as defines the legality of alleged debts.

Overview of the FDCPA

As one of the foundations of the FDCPA, a debt collector represents any legally formed business that collects debts for other American-based companies. Attorneys who help creditors, debt buyers, or debt collection businesses also fall under the regulations created as the result of the FDCPA. The FDCPA requires debt collectors that violate any provision written into the legislation to pay consumers $1,000 in statutory penalties, as well as compensation for pain and suffering.

The FDCPA applies to third-party debt collectors. However, several states such as California have passed legislation that protects consumers against aggressive debt collection tactics implements by the original creditor. The FDCPA includes legal language that allows states to broaden the coverage that protects consumers against unfair debt collection practices.

Specifics of the FDCPA

Under the FDCPA, third-party debt collectors are prohibited from conducting several unfair debt collection practices.

Threats and Harassment

When a consumer notifies a third-party debt collector in writing that he or she wants the debt collector to stop communications, the third-party debt collector must comply with the written request. Third-party debt collectors are prohibited from making threats or harassing consumers who owe money to another business. Courts have consistently ruled that threats and harassment constitute actions that include using abusive language, issuing warnings about taking legal action, and disclosing consumer financial information to friends and family members.

Telephone Calls

The FDCPA sets limits on the time when third-party debt collectors can call consumers. Between 8am and 9pm local time, third-party debt collectors are allowed under the FDCPA to call consumers, granted the debt collection companies have not received a cease and desist request that stops the telephone calls. Moreover, debt collectors are not permitted to call constantly throughout the day and let debtor telephones ring repeatedly. Debt collectors are not allowed to contact employers concerning debt collection efforts. Automated telephone calls are also illegal under FDCPA provisions.

Settled and Discharged Debts

Third-party debt collectors are not allowed to collect debts settled by the original creditor or discharged in bankruptcy court. In cases such as identity theft, the FDCPA prevents debt collectors from trying to collect debts never accumulated by consumers. Debt collectors cannot sue or threaten to file lawsuits to collect debts that have defaulted for more than four years.

Filing False Reports

The FDCPA clearly sets the guidelines for the types of information debt collectors can and cannot send to credit reporting agencies. Many consumers are unaware of the FDCPA provision prohibiting reports of consumer debt information that third-party debt collectors have no legal right to collect. In addition, the FDCPA stipulates third-party debt collectors must inform credit reporting agencies about credit disputes filed by consumers.

Deception

Third-party debt collectors are prohibited from deceiving consumers. Deceptive practices under the FDCPA include lying about how much is owed, distributing confusing and misleading written and/or digital communication, and falsely claiming a debt collection firm represents a debt lawyer or a government agency. One of the most common deceptive practices used by third-party debt collectors involves the failure to properly identify the debt collection company.

Contact a Consumer Law Attorney

Consumers enjoy numerous federal and state protections against the unlawful practices implemented by third-party debt collectors. To learn more about your debt collection rights, fill out the no obligation form to schedule a free initial consultation with a licensed consumer rights attorney.

JOIN A FREE UNFAIR DEBT COLLECTION - DEBT COLLECTOR HARRASSMENT AND ABUSE INVESTIGATION

If you qualify, an attorney will contact you to discuss the details of your potential case at no charge to you.

Please Note: If you want to participate in this investigation, it is imperative that you reply to the law firm if they call or email you. Failing to do so may result in delay or inability to receive a free consultation. Waiting too long to contact an attorney may also result in exceeding certain deadlines require dto file a claim in state or federal court.

After you fill out the form, the law firms who work with Legal Equals will review your case/ If you qualify, they will let you know if an individual lawsuit or class action lawsuit is best for you.

ATTORNEY ADVERTISING

The choice of a lawyer is an important decision and should not be based solely on advertisements.

Counsel responsible for this advertisement include John Miser at:

Sierra Litigation 

PAID ATTORNEY ADVERTISEMENT: THIS WEB PAGE IS AN ADVERTISEMENT AND THE PARTICIPATING ATTORNEY(S) ARE INCLUDED BECAUSE THEY PAY AN ADVERTISING FEE. It is not a lawyer referral service or prepaid legal services plan. Legal Equals is not a law firm and does not endorse or recommend any lawyer or law firm who participates in the network, nor does it analyze a person’s legal situation when determining which participating lawyers receive a person’s inquiry. Legal Equals does not make any representation and has not made any judgment as to the qualifications, expertise or credentials of any participating law firm. No representation is made that the quality of the legal services to be performed is greater than the quality of legal services performed by other lawyers. The information contained herein is not legal advice. Any information you submit to Legal Equals does not create an attorney-client relationship and may not be protected by attorney-client privilege. Do not use the form to submit confidential, time-sensitive, or privileged information. All photos are of models and do not depict clients. All case evaluations are performed by participating attorneys.