I end collection harassment, and I sue debt collectors. I am a California consumer rights attorney who is dedicated to protecting consumers against abusive and illegal collection practices by debt collectors.
If you have been harassed by debt collectors, had to deal with collection harassment, calls to your job, or other collection agency abuse, call me today at (805) 244-5291.
Although I practice bankruptcy, this is not bankruptcy. I sue debt collectors.
You have a right to sue debt collectors who harass you and recover money for your damages. There is no fee if there is no recovery.
According to federal law, debt collectors and collection agencies must treat you with truth, fairness, dignity, and respect. Period. Any debt collector who crosses the line and abuses you for the collection of a consumer debt can be sued for damages under the Fair Debt Collection Practices Act (FDCPA), and/or California’s Rosenthal Fair Debt Collection Practices Act.
Has your credit card company been calling you, harassing you, or threatening you? Are you being sued by a card company? Perhaps a collection agency is making threatening phone calls to your home or workplace. I represent clients in these and other jams, like:
- Collection agency abuses
- Car dealer fraud
- Truth in Lending abuses
- You bought a vehicle and discovered it had prior wreck damage
- Payday Lenders
Consumers are at the mercy of banks, auto dealers, collection agencies and other predatory companies. If you’re in trouble because of these creeps, give me a call for your free consultation.
Collection Agency Abuses
If a debt collector violates the FDCPA (the federal Fair Debt Collection Practices Act, 15 USC 1692 et. seq.) the debt collector may be liable to pay you up to $1,000.00 in statutory damages, as well as your actual damages, your attorney’s fees, and court costs.
These are only some of the many collection tactics frequently used by collection agencies and / or collection law firms. Each of these tactics violate the laws of the FDCPA.
If an agency engages in any of these practices with you, EVEN IF YOU DO NOT OWE THE BILL, call me right away:
I offer free consultation, during which we will discuss your case with.
The FDCPA prohibits many common collection practices such as:
- Telling someone other than you or your spouse details about your collection account(s) without prior authority from you.
- Calling you at work after you have told the debt collector not to contact you at work.
- Threatening to take any action against you that they do not take or intend to take. (Examples include falsely threatening to take you to Court and falsely threatening to garnish your wages.)
- Falsely threatening to garnish your wages prior to a lawsuit being filed against you for the debt.
- Cursing, yelling or using obscene and / or profane language.
- Repeated harassing phone calls including calling multiple times a day to annoy, abuse or harass.
- Threatening to arrest or jail you.
- Impersonating court employees including judges, clerks, etc. This happens far more often than people realize.
- Impersonating law enforcement officers (Police, Sheriff or federal agents).
Debt Collectors Are Prohibited From All of These Abusive Tactics:
- Threatening lawsuits, garnishment, liens, or arrest for not paying a bill
- Calling your family, friends, neighbors or employers to collect a debt
- Leaving abusive phone messages
- Insulting, yelling or swearing at you
- Calling your workplace after telling the collector not to call you there
- Lying, threatening, or otherwise harassing you in any way
If you have suffered from any of these abusive bill collection practices, you may be entitled to compensation. I can help any consumer who is currently in collections, or has suffered from collection harassment. Call me today at (805) 244-5291 to speak with me about your collection harassment case.
Robo-Calls To Your Cell Phone Are Illegal
- Robo-messages and voicemails to your cell phone without your express consent
- Sales and marketing texts sent to your cell phone without your express consent
- Repeated hangup calls to your cell phone
- Robo-calls to your cell phone without your express consent
It’s generally against the law for debt collectors to make robo-calls and to leave robo-messages on your cell phone. It is illegal for salespeople and others to make these calls without your prior express consent. If you have suffered from any of these abusive practices, call me today. You may be entitled to compensation.
What To Do If You’re Abused By A Collector
If you’re contacted by a debt collector, you have a right to dispute the debt verbally or in writing. If you want to preserve some rights under the FDCPA, you must send a written dispute within 30 days of your receipt of the first “validation notice” from the debt collector. Even if you owe the debt, or you cannot pay it, you still have rights under the FDCPA. Most of my clients owe the debt being collected, but because of financial circumstances, or a dispute over the goods or services, they cannot pay it. In order to preserve your rights under the law, it’s important for you to keep good records of all of the contacts. Click here to see our collections communications log.
Important Steps You Can Take To Help Your Case
- Save copies of all letters and notices from collection agencies
- Save all phone messages and voice mails- this is very important!
- Take screen shots or pictures of each caller ID screen showing a debt collection and/or robo-call
- Make note of your conversations with these bill collectors
Call me to help you stop the debt collector harassment and recover your damages
There Is No Fee In Your Case Unless I Recover*
The law says that any debt collector who violates your rights may be made to pay you statutory damages of up to $1,000, actual damages, and attorney’s fees and costs, if you win your FDCPA case. If I agree to represent you in an FDCPA case, you won’t pay any attorney’s fees unless I recover on your behalf. You may be responsible for any other costs in your lawsuit.