Receiving Robo Calls or Being Harassed by a Debt Collector? We can help you collect money compensation!

 

 Call me today at 601-292-6981 if you have been a victim of illegal robocalls, or being harassed by debt collectors.

 

 

 If you have within the last four years received:

  • a robo call from a telemarketer, saleperson, or debt collector to your cellphone without your permission (a robo call is a call made by an  automatic telephone dialers -- virtually all automated collection calls and sales  are made by automatic telephone dialers); or

  • a pre-recorded message or voicemail without your permission; or

  • sales or collection text messages to your cellphone without your permission

Under the law of the Telephone Consumer Protection Act or TCPA, you can recover statutory damages of $500 per illegal call or text, and up to $1,500 per willful violations.

If you think you may be the victim of illegal robocalls and texts, contact us today for a FREE case evaluation.

2012/04/19
Tracey

FAIR DEBT COLLECTION PRACTICES ACT (FDCPA)

Per law, you deserve to be treated by debt collectors fairly, respectfully, truthfully, and with dignity. The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you on consumer debts.  Consumer debts are generally personal, family, and household debts, including money you owe on a personal credit card account, an auto loan, a medical bill, and your mortgage. The FDCPA doesn’t cover debts you incurred to run a business. If a debt collector violates the FDCPA  you can recover your actual damages, statutory damages of up to $1,000 and your attorney’s fees and costs paid.

What can't debt collectors do under the FDCPA?

Debt collectors may not:

  • contact you at inconvenient times or places, such as before 8 in the morning or after 9 at night, unless you agree to it;

  • contact you at work if they’re told (orally or in writing) that you’re not allowed to get calls there;

  • contact any other person about your debt other than your spouse or attorney;

  • use threats of violence or harm;

  • publish a list of names of people who refuse to pay their debts (but they can give this information to the credit reporting companies);

  • use obscene or profane language; 

  • repeatedly use the phone to annoy someone;

  • falsely claim that they are attorneys or government representatives;

  • falsely claim that you have committed a crime;

  • falsely represent that they operate or work for a credit reporting company;

  • misrepresent the amount you owe;

  • indicate that papers they send you are legal forms if they aren’t; 

  • indicate that papers they send to you aren’t legal forms if they are;

  • you will be arrested if you don’t pay your debt;

  • they’ll seize, garnish, attach, or sell your property or wages unless they are permitted by law to take the action and intend to do so; 

  • legal action will be taken against you, if doing so would be illegal or if they don’t intend to take the action;

  • give false credit information about you to anyone, including a credit reporting company;

  • send you anything that looks like an official document from a court or government agency if it isn’t; 

  • use a false company name;

  • try to collect any interest, fee, or other charge on top of the amount you owe unless the contract that created your debt – or your state law – allows the charge;

  • deposit a post-dated check early;

  • take or threaten to take your property unless it can be done legally; 

  • contact you by postcard.

 

 

 

 

 

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