Don’t Submit To Debt Collection Violations
A debt collector is any person or company that uses any mode of communication, whether by phone or email, to attempt to collect debts for another party. Your bank, credit card company and auto loan company are not debt collectors and cannot be held liable for violating the Fair Debt Collection Practices Act (FDCPA). However, third-party debt collectors can be held responsible.
The FDCPA was created to promote fair debt collection laws and procedures and to protect consumers against debt collection abuses. If you feel that you are being harassed at the hands of debt collectors, contact a debt collection attorney who can ensure that you are protected from abuse and misrepresentation.
If you suspect your rights are under attack by debt collectors who are calling you or sending letters, contact SmithMarco, P.C.
Beware: Abuses Of Debt Collectors
Consumers have rights once their debts go into collections, and those rights depend on who is contacting you and when they are contacting you.
Debt collectors cannot harass or abuse you. They cannot make your phone constantly ring intending to annoy you. Moreover, debt collectors cannot make any misrepresentations to you about what it is they may do if you don’t pay, how much you owe or anything that may be misleading. Collectors are also regulated in who they contact and what they say.
Collectors cannot tell other people about your debts or call your place of employment if your employer does not allow such calls. Debt collectors must also notify you of your validation rights when they first contact you, meaning you have the right to know what the debt is for and who it was originally owed to.
Collectors try all kinds of tricks to get you to pay a bill. If you are not the person who owes the money and a collector is still bothering you, you have the right to be free of such annoyance. We are debt collection attorneys who can help you.
We Are Lawyers Who Will Help You Confront Troublesome Debt Collection Tactics
The single most effective form of debt collection for a creditor is filing a lawsuit. If a lawsuit is filed against you, you must properly respond or risk having a judgment against you. The debt collection attorneys of SmithMarco, P.C., specializing in debt collection and FDCPA laws, have been protecting consumer rights for more than 35 combined years.
Contact us by sending a message or calling 888-915-0836 for a free case review to determine if your personal debt collection consumer rights were violated. We are consumer rights attorneys who will provide you with the knowledge you need to protect yourself from debt collection abuses.