Debt Collection Abuse

Don't suffer through harassing phone calls and letters one second longer.

Contact us to gain an education about how debt collectors can contact you, how to stop creditor harassment, and how to control your debts and get them to a manageable point.

Consumer Protection

Debt collectors work aggressively to collect money they believe is owed. However, there are many times where debt collectors cross the line with illegal tactics. Even if you do owe the debt, you still have claims against debt collectors when they break the laws meant to protect you from them.  In addition to the federal Fair Debt Collection Practices Act which governs the conduct of third party debt collectors, the Telephone Consumer Protection Act and the Texas Debt Collection Act put limits on the conduct of financial institutions and debt collectors while providing remedies for you to sue them for collection violations.  
Some of the most common violations include:

·       Calling early in the morning or late a night
·       Calling your workplace when you’ve asked them not to
·       Discussing or threatening to discuss the debt with employers, friends, family, or landlords
·       Falsely claiming to be law enforcement or threatening arrest
·       Profanity
·       Threats of physical violence
·       Making an unreasonable number of phone calls just to annoy
·       Continuing to call after you’ve told them to stop
·       Threatening wage garnishment or to take other property
·       Threatening to sue you

If you believe your rights may have been violated, contact us today. 

Consumer privacy & Robo Calls

With new technology, solicitors, creditors, and debt collectors now use automatic dialing systems to place hundreds of thousands of calls per day. While simply using an automatic dialing system is not illegal, if you did not give prior written consent for your cell phone to be called or texted, you may have a claim under the Telephone Consumer Protection Act, or TCPA, and the right to stop these unwanted calls.

In addition to regulating “robocalls,” the TCPA contains other protections for consumers. For example, companies must keep a “Do Not Call” list and have procedures for consumers to request to be added to that list. There are also regulations that govern who can leave you a pre-recorded voice message.

If you think your rights under the TCPA have been violated, you could recover as much as $500 to $1500 per illegal call or text.

If you believe your rights may have been violated, contact us today.