STEP 2: REVIEW YOUR RIGHTS


Debt collection activities are at an all-time high. Unfortunately, some debt collection companies employ means that are abusive, harassing, or otherwise illegal. Congress enacted the Fair Debt Collection Practices Act (FDCPA) to eliminate abusive debt collection practices by debt collectors (collection companies). Even if you have a debt, you can have the unlawful collection activity stopped and recover up to $1,000 if your rights have been violated. You can stop debt collection harassment. You have the right not to be harassed, abused, or threatened by debt collectors!


COMMON VIOLATIONS OF THE ACT:


  • You have experienced repeated calls (including computerized automated calls) from a debt collector.
  • A debt collector has informed third parties that you owe a debt.
  • A debt collector has called you before 8:00am or after 9:00pm.
  • A debt collector has failed to identify themselves when calling you or a third party concerning you.
  • A debt collector has engaged in any conduct you found to be harassing, oppressive, or abusive. This includes the making of any type of threats (including threats to "garnish your wages"), use of obscene language, excessive telephone calls, etc.
  • A debt collector has called your place of employment after knowing or having reason to know that your employer has forbade such calls.
  • A debt collectors is attempting to collect an amount (including interest, fees, or collections costs) that were not authorized by your agreement with the original creditor.
  • A debt collector has sent you post cards regarding a debt.
  • A debt collector has sent you mail in which reference to a debt is printed on the outside of the envelope.
  • A debt collector has used any false representation or otherwise deceptive means to collect a debt or obtain information about you.

Note: There are limited exceptions to some of the debt collection activity as provided above. Contact an FDCPA attorney (see Step 3) to determine whether a violation of the Act has occurred under your particular circumstances.

This is not a complete list of actions for which you may seek relief and monetary compensation. See more violations.

STEP 1: MAKE A SELECTION


If you do not owe a debt and are receiving calls from a debt collection agency in error, click here to learn how to STOP THE CALLS. As a victim of TELEPHONE HARASSMENT, you may also recover up to $1,000 under federal law. It does not matter if the debt collector is calling your number by mistake and asking for a friend, relative, or someone you don't know. The national "Do Not Call" registry has no relevance to debt collection calls.

OR

If you owe a debt or think you may owe a debt, see Step 2 for important information on your rights. If a debt collector has violated your rights, you may recover up to $1,000 under federal law. You can STOP harassing calls and other violations!

STEP 3: TAKE ACTION IF YOUR RIGHTS
HAVE BEEN VIOLATED


Do you think your rights may have been violated? If so, contact an FDCPA attorney below to stop the unlawful collection activity and recover up to $1,000 under federal law. The attorneys below will enforce your rights without any out-of-pocket cost to you because the law allows attorney's fees to be recovered from the offending debt collection agency. You have nothing to fear or risk by getting help. You may either collect up to $1,000 or not, you have nothing to lose by standing up for your rights.

The following FDCPA attorneys provide representation without charging you (fees are paid only from a recovery at no charge to you):


CENTENNIAL LAW OFFICES
Submit a DEBT COLLECTION VIOLATION REPORT to get immediate assistance from an FDCPA attorney. We will stop debt collection harassment. (You will pay nothing for this service).







HOW TO GET HELP WITH DEBT COLLECTORS EVEN WHEN THERE HAS BEEN NO FDCPA VIOLATIONS:


Click here to visit the second page of your rights and see the box entitled HOW TO DEAL WITH COLLECTION ACTIVITY EVEN WHEN YOUR FDCPA RIGHTS HAVE NOT BEEN VIOLATED.

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