End Creditor Harassment


End Creditor Harassment

Federal Debt Collection Practices Act Violation Lawsuits

Debt collectors do not have the right to violate your rights
  • Have you been threatened by a bill collector?
  • Has your financial situation or information been disclosed to someone else without your permission?
  • Are you constantly getting threatening calls at home?
  • Are bill collectors calling you at your place of employment and putting your job at risk?

Even if you owe money to a collector and have fallen behind on your payments, that does not give a debt collector the right to violate your rights. The Fair Debt Collection Practices Act (FDCPA) was created by Congress in 1977 in order to stop abusive practices by third party debt collectors. The FDCPA forces consumer debt collectors to follow guidelines and regulates how they must behave when attempting to collect on a debt. There are many FDCPA violations that occur on a daily basis. Many debt collectors deliberately violate FDCPA laws in hopes of pressuring you into a payment. These debt collectors think that you are not aware of your legal rights and that they can get away with violating the law.

You do not have to let debt collectors get away with their violations. If a debt collector violates the rules and requirements of the FDCPA, you may have the right to sue them and receive money back. If a debt collector’s actions are deemed illegal and you are successful in your FDCPA claim, not only will the harassment stop, but the third party debt collector will have to pay you damages, in addition to your attorney and court fees, as well as up to $1,000 per violation.

We do not charge any fees for FDCPA violation lawsuits unless we are successful. If we take further action on your behalf, and we do not win your case, you will not have to pay a fee. We only charge for FDCPA violation lawsuits on a contingency basis upon success, and at that point, your collectors will have to pay our fees, not you, so what do you have to lose?

If you are unsure about whether your rights have been violated, you can call us for a free consultation or read this list of Fair Debt Collection Practices Act Violations to find out if a violation has occurred. Once you have determined that a violation has taken place, you should call us and we will advise you of your rights. One of our attorneys or paralegals will be here to help you to determine what further actions you should take. You can fight back and we are here to help you do just that! Don't wait. The sooner you contact us, the sooner we can stop the harassment.

At S.J. Packman & Associates, before we make any recommendations, our attorneys, certified debt specialists, and paralegals, are trained to ask the right questions to find out about your specific situation. Based on your current income and your financial hardship, we will determine which course of action will work best for you. We do not only offer one path, as there is no one process that can solve everyone’s needs. We will take our time with you and help evaluate what your best course of action should be. Call now and one of our advisors will be there to get you started on your path to financial freedom. There is no obligation to enroll, so don’t delay.

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