Stop Collection harassment
Stop Collection harassment – with Fair Debt Collection Practices Act
Debt collectors are regulated by numerous state and federal laws in their debt collection activities. That’s where our firm can help. Most people know that debt collectors cannot abuse them on the phone or in writing–what many people don’t know is that they have a lot of other legal rights, too. For example, a debt collector cannot call you at work if they know that it is inconvenient for you or that your employer prohibits it. Debt collectors cannot tell others about your debts, like your next-door neighbor or your co-worker. They can’t threaten to sue you unless they mean … otherwise that’s a prohibited lie meant to intimidate you into paying.
As a consumer, you are entitled to file a lawsuit against any debt collector who violates your rights under the FDCPA. In short, the FDCPA allows a consumer to recover their actual damages, statutory damages of up to $1,000 and their attorney’s fees and costs. While this may seem like a modest amount, to debt collectors who violate the law there is much more at stake: Increased insurance rates, deceased collection rates, potential governmental regulatory action, and the spiraling costs of defending a lawsuit for their illegal conduct. The deck is stacked against consumers with sophisticated debt collection tactics.
As a consumer, you should not hesitate to shield yourself from these sharp practices and exercise your rights under the FDCPA. Our law firm has the experience, resources and ability to zealously represent you in your FDCPA action against any debt collector. We file federal civil lawsuits against debt collectors who violate any state or federal law. The FDCPA prohibits any collection efforts which violates any law. That means that amongst other things, a collector must tell the truth, be respectful to you, and cease communicating with you when you have a lawyer. Our firm can and will make illegal collection activity stop dead in its tracks.
We firmly believe that everyone should pay their just and owing debts. But our country was founded on historic legal principles which rejected debtor’s prisons and the like. Likewise, we think that no debt collector ought to violate your rights to get payment. It’s that simple. Your legal right to fair, legal, debt collection activity cannot take a back seat to any debt collector’s violations of state and federal law.
Who is Covered: Some Definitions
Consumer: Any person who owes or is alleged to owe a consumer debt.
Debt Collectors: According to the FDCPA, a debt collector is any person, other than the creditor, who regularly collects debts owed to others and includes attorneys who regularly collect debts.
Covered Debts: Any debt that is primarily for personal, family, or household purposes are covered under the FDCPA. Business and commercial debts are not covered. Alimony,child support, criminal fines, and tort claims are generally not considered debts within the meaning of the FDCPA.
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Being Sued By A Debt Collector?
This guide provides general information for Michiganders who are facing debt collection lawsuits in the Michigan State civil courts. It does not apply to courts outside the state of Michigan. It is not a substitute for obtaining legal advice in your individual case.