Just because a consumer owes a debt doesn't mean the collection agency can communicate any way they choose. That's where we come in with collection defense.
According to the Federal Trade Commission, debt collection is one of the most complained about industries, but even still, many consumers are unaware that they are victims of illegal debt collection practices. It's necessary to understand the rules of debt collection and how collection agency defense can help you if you're being harassed by a collection agency.
Under the Fair Debt Collection Practices Act (FDCPA), collection agencies, collection attorneys, and debt buyers are prohibited from doing the following:
- telephoning you before 8 am and after 9 pm
- calling you at work after you've told them not to
- telling anybody (other than your spouse or attorney) that you owe a debt
- sending you written communication or making phone calls after you've requested in writing that they stop
- telephoning you over and over again, especially after you've told them to stop
- using or threatening violence
- using obscene or profane language
- failing to identify who they are in any communication
- misrepresenting the amount of the debt
- threatening to take any legal action that cannot actually be taken
- making any false or deceptive representation
Even with legislation against these and other kinds of harassment, collection agencies still use aggressive and harmful tactics in their communication. If this has happened to you, you are not alone, and we can help you to fight back against a collection agency. If you need a debt collection lawyer in Minneapolis give us a call today.
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Consumer advocate and collection defense attorney Ryan Peterson can help stop collection harassment
Any individual who has been a victim of illegal collection practices has the ability and the right to sue the debt collector in federal court. Under the FDCPA, a consumer is entitled to up to $1000 in statutory damages, any actual damages (including out-of-pocket costs and emotional distress), and attorneys' fees.
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This provision of attorneys' fees means that our office has the ability to represent you on a contingency basis. In other words, you don't pay us; instead, we are paid by the debt collector in the event that we obtain a successful settlement or judgement.
It's important to note that the FDCPA isn't a defense to the debt and doesn't relieve any obligation to pay a legal obligation. However, in almost every single case, bringing an FDCPA suit makes the illegal actions by the debt collector stop and sends the message that you won't be pushed around.
If you've been hounded by a collection agency or accused of owing a debt that is not yours, contact us today. We will take over the communication of your case so that you no longer have to talk to the debt collectors, and we will also look over your case to determine the possible FDCPA violation(s).
We offer peace of mind: you will no longer receive belittling or excessive communication from a collection agency when you have our trustworthy staff ensuring that you are treated fairly and respectfully. Contact Peterson Legal for a free consultation and let us help you get your life back.
About Attorney Ryan Peterson
As a former debt collection attorney, Ryan D. Peterson understands what tactics and strategies collection agencies use to try to scare consumers.
Because of his professional experience and personal commitment to helping individuals, Peterson Legal has a successful track record of recovering hundreds of thousands of dollars for clients who have been subjected to harassing debt collection practices.