DEBT COLLECTORS MUST NOT

• Threaten consumers with liens, garnishment, lawsuits, or arrest for non-payment of bills.
• Call family, friends, or neighbors attempting to collect a debt.
• Leave threatening or abuse phone messages.
• Insult, curse, or scream at consumers.
• Call employers attempting to collect at debt after advising the creditor not to contact the employer.
• Lie, intimidate, or harass consumers in any form.

Consumers who have experienced any of the above practices from debt collectors, can have a legal basis for claims. The law firm of Tarshish Cody PLC can help consumers who are threatened with collection notices, and who been victimized by harassing debt collectors. Call an attorney at our firm at 952-295-3935.

ROBO-CALLS TO YOUR CELL PHONE ARE ILLEGAL

Here are some illegal practices by debt collectors:

• Debt collection phone messages to a consumer’s cell phone without consent.
• Sales and marketing texts sent to consumers’ cell phones without the consumer’s consent.
• Debt collectors who call and repeatedly hang up.
• Robo-calls to a consumer’s cell phone without permission.

Debt collectors who use robo-call techniques to try and collect debts are typically violating the law. If sales persons or others make robo-calls, without consent from the consumer, then those calls are similarly illegal. If you as a consumer have experienced any of the debt collection practices, call one of our attorneys directly at 952-295-3935 for a free initial consultation.  It is possible you may find you have a legal claim for damages.

ABUSIVE DEBT COLLECTORS

When consumers are contacted by debt collectors, they have the right to verbally dispute the debt, or alternatively, can submit the dispute in writing. A written response protects certain rights under the Fair Debt Collections Practices Act (FDCPA). Upon receipt of a validation notice from a creditor, the consumer must reply in writing with the dispute within 30 days. If the consumer cannot pay the debt, or acknowledges the debt, a written reply protects certain consumer rights. There may be a dispute over the quality or receipt of products or services involved, and sometimes the consumer is simply unable to pay the debt. Consumers should keep records of all communications involving their debts. Our law firm, Tarshish Cody PLC will help you protect your rights and help manage the debt collection process.

THINGS TO DO

• The consumer should save debt collection calls on their phone, including robo-calls
• The consumer should keep notes of all conversations including dates and subject matters discussed
• Keep copies of all correspondence
• Call Tarshish Cody PLC and talk to an attorney to discuss your case or fill our our Case Evaluation Form below.

Consumers should be aware that debt collection violation of consumer rights can result in damages paid to the consumer including attorney’s fees and costs under FDCPA. Our law firm does not bill for fees unless there is a recovery on the consumer’s behalf, although other costs may accrue as described by our attorneys. We welcome your call today at 952-295-3935 (or fill out the free case evaluation form below) to help you through the legal issues of your case.

Attorneys Practicing In This Area

Benjamin Tarshish

Traci Vercande

Staff Supporting This Area

Julie Rosales