Your Debt Rights
Debt Collector Problems
Owing a debt doesn't give a debt collector or collection agency the right to treat you unfairly – or
illegally. Fair Debt Collection Laws protect you from debt collector harassment and provide victims
of debt collection abuse statutory damages of up to $1,000.00, plus actual damages! And the debt
collector pays your attorney's fees so its
NO COST TO YOU!
- Stop debt collectors from calling you at work and home and at all hours of the day and night.
- Stop collection calls and voice mails to your friends, family and neighbors.
- Stop collection letters.
- Sue nasty, abusive, obnoxious and threatening debt collectors AT NO COST TO YOU.
- Make abusive debt collectors pay you, and your attorneys.
Suing debt collectors is not debt settlement. A Debt Settlement program may be available to you in
addition to or instead of FDCPA litigation. Debt Settlement Lawyers may, depending upon your circumstances,
be able to defend against pending lawsuits or garnishments or help you file for chapter 7 or 13 bankruptcy.
Not everyone will qualify
for free FDCPA litigation. A verified violation of federal and/or state law must have occurred to qualify,
and only consumer debts, not business debts, fall under the FDCPA. Anyone currently in chapter 7 or 13
bankruptcy also may not qualify. This is not an exhaustive list, and of course, every case is unique and
requires individual analysis. Home mortgage help may also be an option.
Under the My Smart Debt Program, debt collector
interventions, validations and disputes, credit card billing disputes, and other consumer
financial legal services, may also be available.