Collection agency harassment is against the law !

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What exactly does our service entail?

Legal Rights Advocates, Inc. aims to be a premier resource for the Fair Debt Collection Practices Act (FDCPA) laid out by the Consumer Financial Protection Bureau as well as debt collection harassment practices. The FDCPA is enforced by the Federal Trade Commission (FTC) to protect any debtor against deception, scams, and false statements or other abusive practices attempting to justify the collection of consumer debts.

This is also enforced by the Consumer Protection Division of the state’s Attorney General. However, the Attorney General’s Consumer Protection Division can’t do it all, especially when it comes to consumer fraud and abusive collectors. Sometimes, you need a third party’s legal assistance. We are proud of the settlements that have been awarded to our customers for unfair, deceptive, and abusive debt collection practices. If you have ever felt that debt collectors behaved inappropriately, you may have a case that we can help you with.

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Do You Need to File a Complaint Against Debt Collection Agencies?

Debt collectors who behave deceptively and unfairly can make your life a nightmare. Owing money is already a burden, and they just make it more difficult. Debt collectors seemingly have no personal boundaries. They’ll spam your phone number with telephone calls and text messages, they’ll gather private contact information and personal information, and engage in other unfair practices and deceptive acts. These types of abusive debt collection practices are in violation of the FDCPA and can verge on consumer fraud.

The debt collector contact can become invasive and violate antitrust laws. Sometimes, debt collectors even involve your family members, acquiring their cell phone or telephone number, and bombarding them with phone calls. Whether it’s an attempt to collect on credit card debt, debt stemming from mortgages, or past-due health care fees, unfair debt collection practices by any debt collector aren’t acceptable. We can help you file a complaint against debt collection agencies in the face of attempts at the collection of such debt.

It’s important to understand what kind of debt collector you’re facing. Is the debt collector from the original creditor or has such debt been passed along to a third-party debt collector or another third-party creditor? Have you filed a complaint form against the creditor over ongoing further contact? Depending on the debt collector, this can impact the specific action you’ll need to take.

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Debtors, Credit Reports, and Debt Collection Practices

Debt collectors can drastically impact your credit report. While this can sometimes be resolved through your credit union or financial institution, you’ll need the name of the creditor and additional information. You’ll then need to file a dispute letter, even if the principal purpose of the collection agency is to acquire an unpaid debt.

Some third-party creditors are involved in scam collection attempts that involve identity theft which is in violation of state law and federal law. If you suspect potential identity theft from a fraudulent debt collector or any other form of false advertising or false information, this will most likely involve a lawsuit that could result in potential jail time for the third and first-party debt collectors involved. If you’re the victim of identity theft, it’s important to contact legal counsel immediately.

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