Debt Settlement Home:
Consumer Debt Settlement:
We represent consumers who find themselves overburdened with credit card and other unsecured debt. We review each client’s individual matter to determine whether their rights have been violated by improper billing practices and/or abusive debt collection activities on the part of creditors and debt collection agencies. By doing so we can often renegotiate account balances to an amount less than what the client currently owes.
Know Your Rights:
Are you being contacted or sued by a debt collector? A common practice is for debt collectors to buy debts from other companies and then try to collect the debts themselves. Often, debts purchased by debt collectors are undocumented, beyond the statute of limitations or legally invalid. When they purchase this debt they often do not get all of the necessary paperwork to prove their case against you in a court of law.
Fair Debt Collection Practices Act:
The Fair Debt Collection Practices Act (“FDCPA”) was designed to protect consumers from unfair actions on the part of debt collectors. Debt collectors may not verbally or in any other way harass or abuse you by threatening harm or using obscene language. They are not allowed to contact you at inconvenient times or in inconvenient places; contact you at work if they should know that your employer does not permit it; contact you at all if you are represented by an attorney and the debt collector knows you have an attorney; tell your employer, neighbor, or friends that you owe a debt; contact you without identifying themselves; they may not accept a postdated check and/or post it prior to its date. If you believe your rights have been violated by a debt collector, contact us right away for a free case evaluation.
Abusive Debt Collection Practices
Debt collectors may not make false statements. They may not threaten consumers with a lawsuit, unless the law permits them to sue and they actually plan on suing the consumer; state that they will seize, garnish, attach, or sell a consumer’s property or wages, unless the law permits them to do so, and they actually plan on doing so; misrepresent the amount of the consumer’s debt; falsely imply that they are attorneys or government representatives; falsely imply that a consumer has committed a crime; state that the consumer will be arrested if they do not pay a debt; give false credit information about a consumer to anyone, including a credit bureau; or send a consumer anything that looks like an official document from a court or government agency when it is not.