DEBT COLLECTOR ABUSE    
 

Feel as if you are being subjected to collection agency harassment?
Are bill collectors calling you at work and you do not know what to do? Under the Fair Debt Collection Practices Act (FDCPA laws), you can be entitled to money damages from debt collector harassment AND payment of your attorney fees.

WHAT MARTIN LAW GROUP WILL DO FOR YOU
If you are being bothered, hassled, harassed, abused or stressed out by bill collector harassment, we can help! Are you getting calls from debt collectors at your home or job? Are debt collection agencies threatening you with lawsuits, wage garnishment, criminal charges or arrest? Have debt collectors called your family, friends and neighbors about your debts? Are debt collectors pressuring you to make payments that you cannot afford? Are debt collection agents pushing you to pay a debt you don't think you owe? You do have rights which have been provided to consumers by the United States Congress and the Federal Trade Commission!

Martin Law Group uses its attorney’s vast consumer law experience to refine our process with the most effective techniques to encourage a quick and fair resolution to your claims. We supplement the wisdom and legal experience we gained while working for a large consumer litigation firm with a higher level of service to our clients. Put our experience to work for you when dealing with collection agencies and stop the creditor harassment NOW.

Even if you fully admit that you owe the debt, the experienced consumer advocate attorneys at Martin Law Group may be able to help you do all of the following (depending upon your situation), all at no cost to you for our services! We are not entitled to any attorneys fees unless and until we earn a settlement for you!
• Stop the annoying collection phone calls
• Recover money damages from the debt collector – that's right, cash for you!
• Negotiate to reduce or eliminate the debt (in some instances, depending upon the creditor)
• Recover our attorney’s fees from the debt collector – you pay NO attorney’s fees out of your pocket whatsoever
Don't waste another day putting up with the unfair, illegal and annoying tactics of collection agencies. Call us today to speak with an experienced fair debt collection attorney today.

WHAT THE BILL COLLECTORS CANNOT DO
Under the Fair Debt Collection Practices Act (FDCPA), you can be entitled to money damages from the debt collector AND payment of your attorney fees, if the debt collector has done any of the following, even if only once!
The rules and burdens placed on debt collectors by the Fair Debt Collection Practices Act are extensive. This is not even the entire list!

Debt collectors may NOT:
1. Contact you at times which they know are inconvenient to you.
2. Contact you before 8:00 a.m. or after 9:00 p.m.
3. Contact you if they know you are represented by an attorney.
4. Contact you at work if they are told that you are not allowed to take calls of that nature while you are working.
5. Continue collection of a debt if you have properly disputed all or part of the debt, until that verification is provided to you. .
6. Contact you at all to further attempt to collect a debt if you have notified them in writing to cease all communication with you.
7. Engage in harassing, oppressive or abusive conduct.
8. Threaten violence or use obscene or profane language when communicating with you.
9. Call you repeatedly or continuously throughout the day to annoy or harass you.
10. Communicate with you without disclosing their identity and disclosing that they a debt collector.
11. Use any false, deceptive or misleading representations to attempt to collect a debt.
12. Misrepresent the amount or legal status of the debt.
13. Falsely represent that they are an attorney or work for an attorney.
14. Falsely threaten you with arrest or imprisonment or imply that you committed a crime by not paying your debt.
15. Falsely represent that you are being sued or are going to be sued if that is true or they don't intend to do it.
16. Use any name other than the true name of their business when communicating with you
17. Pretend to be acting on behalf of a governmental agency when collecting the debt.
18. Collect any amounts which are not authorized by the agreement which created the debt.
19. Communicate or threaten to communicate false information on your credit report. If you notify the debt collector that a debt is disputed, they must notify the credit reporting bureaus of your dispute.
20. Communicate with anyone other than you regarding the debt, except for your spouse. Debt collectors cannot divulge to anyone else that you owe a debt, other than your spouse.
21. Communicate with you by postcard.
22. Use fake “official” court or government documents.
23. Debt collectors and debt collection attorneys cannot file a lawsuit against you in a judicial district other than where you live (usually the local city or county court) or where you signed the contract which created the debt.

 

 
   

MARTIN LAW GROUP, APC 3500 W. Olive Avenue, Suite 300 Burbank, CA 91505 
(800) 910-4859 attorneys@martinlawgrp.com