We Stop Debt Collectors…quickly
When you encounter a bad debt collector, we are here to stop them and make them pay you damages. We provide these services at no out of pocket charge to you. We recover our fees and costs from any monetary compensation in your case. Under the Fair Debt Collection Practices Act, debt collectors who break the law have to pay your damages and pay our fees and costs. Hence, you pay nothing.
Things that debt collectors do to break the law:
- Calling you before 8 a.m. or after 9 p.m.;
- Calling you after you had instructed them to stop;
- Calling third parties to you and informing them of the debt such as friends, family and employers;
- Threatening you with garnishment, judgment and property seizure;
- Threatening you with law enforcement;
- Failing to send you a written demand letter;
- Continuing attempts to collect a debt after you have demanded validation of the debt and they have not provided it;
- Lying, swearing or cursing at you;
- Calling you repeatedly;
- Calling you on your cell phone after you have told them to stop.
These are just some of the ways that debt collectors violate peoples’ rights under the Fair Debt Collection Practices Act.
If your rights have been violated or, if you are not sure, call us any way for a free no obligation consultation. Call 404-591-6680 or email us at [email protected].
Good debt collectors do their jobs. Bad debt collectors do their worst – on people.
Here are some questions and answers about what a debt collector can and cannot do:
Can a debt collector call a third party about your debt?
Generally no. If they do call a third party, then they cannot tell the third party about a debt that you owe or that they are attempting to collect a debt.
Can a debt collector call your work about your debt?
Generally yes, but if you tell them to stop calling you at work because you cannot take calls there, then they MUST stop calling you.
How do I get a debt collector to stop calling me?
If you send a written letter to the debt collector directing it to cease and desist from calling you, then it must stop calling you. If the debt collector calls you at work, you only need to tell him or her, once, that you are not allowed to accept calls at work.
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Do I have to pay the debt collector?
No. If you prefer to work directly with the creditor, you certainly have a right to do that.
Can I get arrested for not paying a debt?
Generally, no. But, if the creditor gets a judgment against you, and serves you with a subpoena of any kind, you should know that a subpoena is an order of the court. You NEVER want to ignore court orders.
Do they still have “debtor’s prison”?
No. They have done away with debtor’s prison over 100 years ago. If you owe a debt, you don’t go to jail But, see the question above. Do NOT ignore court orders. Ignoring a court order can land you in jail.
What do I do if the debt collector does not accept my payment plan offer?
Nothing. You can tell the debt collector that if he does not accept your payment plan offer that you will simply take your limited funds and start negotiating with the next creditor that you owe and ignore him and his client.
Can a debt collector add a “service fee” to my bill?
Under the Fair Debt Collection Practices Act, a debt collector may only collect a debt for which there was a contract or a law that provides for the debt. Hence, pre judgment interest may be collected if there is a law in your jurisdiction that allows for it. But a “collection fee” would be illegal if there is no law that allows a collection agency to charge such an enhanced fee.