Whether or not you have evidence to support any losses you have incurred, you could be entitled to receive up to $1,000, as well as reimbursement for court costs and attorneys’ fees. Our Atlanta fair debt collection attorneys at ChancoSchiffer Law, LLC are here to help you understand your rights and legal options during this time. If you think you are being unfairly harassed by your creditors or a debt collection agency, consult with our firm as soon as possible. When you join us for your free consultation, we can help you determine the right course of action to stop creditor harassment and collect any compensation you may be entitled to.
Are you being harassed by debt collectors? Whether you owe money or do not owe anything, our Atlanta fair debt collection lawyers can help. ChancoSchiffer Law, LLC provides aggressive representation to uphold our clients’ rights, put an end to creditor harassment, and pursue damages for victims of unfair debt collection practices. Many Americans find themselves in a situation where they are struggling to pay back their debts. This could be debt in the form of medical bills, credit card debt, or even car loans. If you have fallen behind on your payments, you are likely being contacted by your lender or a debt collection agency. It’s important to understand that you have consumer rights under the FDCPA. This Act prohibits creditors and debt collectors from using unfair, deceptive, and abusive methods to collect payment from debtors. They may only call you between the hours of 8 a.m. Do I Need a Legal Representative? Attempting to halt creditor harassment on your own can be extremely challenging. There are several steps that must be followed when seeking to stop a creditor or debt collector’s illegal behavior. When you hire our firm, we can help you take the necessary actions against your creditor. If after any of the above actions the harassment does not end, we can help you file a lawsuit against the debt collector.
But they are also prohibited from telling a third party - including someone who might overhear a phone message - about a consumer’s debt. “We are between a rock and a hard place,” Ms. Andersen said. Ms. Andersen said she had little patience for Web sites that encouraged consumers to thwart debt collectors. “We believe those types of Web sites are encouraging people to not take responsibility for just debt,” she said. Jack Gordon, who runs the fee-based WebRecon site, said it was no wonder lawsuits were increasing, because consumers were being bombarded with ads from lawyers when they searched online for information on debt collection. He said the proliferation of discussion sites like Mr. Katz’s had, to a lesser extent, also contributed to the trend. Mr. Scroggin, who provides price estimates at a body shop, said he was the type of person who refused to be taken advantage of, even for petty offenses. For instance, years ago, he said he joined in the class-action suit against the pop group Milli Vanilli, accused of lip synching, and collected a $1.25 check.
After a messy divorce, Mr. Scroggin was stuck with a $7,000 bill that he said belonged to his ex-wife. Armed with lessons he learned on the site, he demanded proof of the debt from the collection agency, and the calls stopped. But two and a half years later, they started up again so he sued the collection agency, National Loan Recoveries, for failing to provide proof of the debt, among other things. The case was settled in 2008. The terms were confidential, but he says he never paid National Loan a dime. “Let’s just say I’m a very happy person,” he said. A lawyer for National Loan, Kathryn Bridges, did not return messages seeking comment. Mr. Katz said his Web site was not intended to help people avoid paying legitimate debts. But if they do so, so be it - he feels no need to apologize. He said Congress gave consumers certain rights, and he is simply making people aware of them, sometimes colorfully. Barbara Thompson, 46, of Atlanta, said she challenged $11,000 in credit card debt using online research about collection laws. She does not dispute the debts but reasons that the credit card company wrote off her charges long ago. By her account, she owes the credit card company, not the debt collector.
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