Protecting You From Violations of the Fair Debt Collection Practices Act
Under the Fair Debt Collection Practices Act (FDCPA), debt collection companies must follow certain rules when attempting to collect on a debt. If you are being harassed by a lender or debt collector, you can take action against the company. In some cases, people choose to file bankruptcy to stop creditor harassment. Bankruptcy might be appropriate for some people, but it is not the only option. Under some circumstances, you can file a lawsuit against the debt collector. Sometimes the best defense is a good offense.
Attorney Tai J. Vokins can review your case and determine what course of action to take. Please contact Vokins Law Office, LLC, today to learn more.
Fighting Back Against Illegal Debt Collection
The ultimate goal of filing a lawsuit against a debt collector is to stop the harassment and to get money for you. Mr. Vokins will explain what types of damages you may be entitled to receive. At Vokins Law Office, we look for FDCPA violations. The FDCPA prohibits debt collectors from:
Harassing you while attempting to collect a debt
Making false statements about the debt while collecting a debt
False statements by the debt collectors about who they are, the purpose of the call, or what company they work with
Threatening to arrest you to get you to pay a debt, take away your home or file a lawsuit
Claim an affiliation with the government or law enforcement
Using unfair practices to collect on a debt
Collection calls before 8 am or after 9 pm
Discussing your debt with others such as coworkers, friends, neighbors or family members
Unfair collection practices can also include sending a demand for payment without telling you that you have 30-days to challenge the validity of the debt. Some debt collectors attempt to collect debts that are past the statute of limitations or otherwise fall in the category of what the attorneys at Vokins Law Office, LLC call a "zombie debt." This is a debt that is dead, but somehow still following you around like it is alive. These are debts may have been sold to a third party debt buyer without the debt buyer doing its homework about the debt. People will often pay these debts because they don't know they are past the statute of limitations. Don't fall victim to this scam.
You Don't Have To Put Up With Debt Collector Harassment.