Your Consumer Law Attorney
Issues you should be aware of…
Credit Reporting Errors
A credit report in essence is your “credit reputation” that creditors will use to determine your “credit worthiness”. So therefore, Congress has implemented a series of laws to protect consumers from inaccuracies on their credit reports.
A credit report contains information including timeliness of payments, status and balance of accounts, lawsuits and bankruptcies. The companies that collect and sell this information are called “credit bureaus”. The three major credit bureaus are Trans Union, Equifax, and Experian. These credit bureaus are required under the Fair Credit Reporting Act (“FCRA”) to ensure the accuracy of your credit report. We help consumers enforce their rights under the “FCRA”, but we are not a credit repair organization.
If you believe that there is an inaccurate entry on your credit report, contact us today for a free consultation to determine what your rights are.
Debt Collection Harassment
Debt collectors are regulated by a network of Federal and State laws including the Fair Debt Collections Practices Act (“FDCPA”). A “debt collector” is anyone who, other than the original creditor, regularly collects a debt. It is important to know your rights when dealing with debt collectors.
Some of your rights include but are not limited to the following:
- Hours of Contact – Debt Collectors cannot contact you before 8 a.m. or after 9 p.m.
- Harassment – Debt Collectors cannot call you if they know it is an inconvenient time or if your employer prohibits it.
- Truth – Debt Collectors cannot lie and they must treat you with dignity and respect.
- Confidential – Debt Collectors cannot tell others about your debt.
If you believe your rights are being violated, please contact us for a free consultation. When you come in for your free consultation it is helpful if you could provide the following information:
- Save any letters from or to the collection agency.
- Save any messages or voice mails.
- Make a note of Who called, When they called, Where they were calling from, and a brief description of what the conversation was about.
You may have the right to sue a debt collector for violations under the “FDCPA”. Remember – You only have one year to bring a claim against a debt collector after each and every violation. Contact our office today to schedule your free consultation.