Some people are victims of fraud or identity theft.  Others may fall behind in their bills when they get laid off, or when they get sick.  When these things happen, creditors sometimes sell the account to a collection company, typically for less than five cents on the dollar.  The collection company then sues the consumer for the full balance of the account, plus interest and attorney's fees.  When that happens, most people don't know what to do, so they make one of two big mistakes:
They either don't go to court, and the debt collection company wins by default, or they pay off the debt collection company.  Don't make these mistakes.  The truth is, in many cases, the debt collection company is NOT entitled to ANY money from the consumer.
There are many legal reasons for this, and they are particular to each case.  But when propertly confronted by a highly experienced and skilled attorney, the collection company often collects nothing.

"When an honestly mistaken person is shown the truth, they will either stop being mistaken, or they will stop being honest."
- Anonymous

The Fair Debt Collection Practices Act (FDCPA)
Additionally, the collection company must follow certain laws when they try to collect a debt.  These laws are designed to make sure that the collection company plays fair.  But some collection companies break these laws.  One of these laws is the Fair Debt Collection Practices Act.  This Federal Law forbids debt collectors from:

Misrepresenting the character, amount, or legal status of the debt;
Attempting to collect amounts it is not entitled to collect;
Calling you on the telephone repeatedly or at odd hours;
Calling you, but not announcing who they are;
Disclosing information about your debts to others;
Using abusive language;
Contacting you after notificaiton that you do not want to be contacted;
Threatening to do something that they can't do or that they don't intend to do;
Using deceptive methods to attempt to collect a debt;
And more.

When a debt collector violates the FDCPA, the law can force the debt collector to pay a fine to you, the consumer.
Contact my office to learn more about your rights as a consumer.  You can also click on the blue and white NACA logo to the right, to go to the National Association of Consumer Advocates' website, to learn more.​​