Plenty of good people wind up in debt for numerous reasons, such as when they get saddled with medical bills. Before you know it, you may be inundated with calls for collections.
These calls can add to your stress, and the methods debt collectors use may be in violation of the law. You should contact Agruss Law Firm to utilize our debt collection services and have an advocate that focuses on your consumer rights while providing legal support.
Debt Collection by Agruss
Agruss Law Firm collections are for consumers who are being harassed by debt collectors. Agruss Law Firm’s clientele is strictly limited to individuals rather than debt collection agencies or corporations.
You can learn more about Agruss Law Firm and how this legal team fights to protect the rights of consumers under the Fair Debt Collection Practices Act (FDCPA) and other consumer protection laws. The mission of Agruss Law Firm is to stop unlawful debt collection practices and recover compensation for consumers who have been impacted.
Agruss Law Firm primarily collects for consumers who are dealing with harassment or abusive practices from debt collectors. The firm represents individuals rather than corporations or debt collection agencies, aiming to protect consumers’ rights under the Fair Debt Collection Practices Act (FDCPA) and other related consumer protection laws. Their services focus on stopping unlawful debt collection practices and securing compensation for affected consumers.
Understanding Debt Collections
When you are in debt, the companies you owe will try to collect their money. While creditors are allowed to try to recover what they are owed, they must follow the laws. One of the laws they must abide by is the FDCPA which was set to halt abusive practices in the process of collecting consumer debts. It promotes fair debt collection while providing consumers with a path for disputing and validating the information to ensure accuracy.
Creditors may turn outstanding debts over to debt collectors in an attempt to recover some, if not all, of the owed amount. However, debt collectors must adhere to the law as violations can mean they are held liable for the damages incurred by consumers.
What Are Debt Collectors Not Permitted to Do?
Debt collectors often use scare tactics to harass consumers into paying their debts. While it should be every person’s goal to avoid racking up debt, life happens. If you were in an accident and suffered serious injuries, your medical bills may have caused your finances to spiral out of control.
If you’ve been injured in an accident and are struggling with medical bills, lost wages, and relentless phone calls from debt collectors, you’re not alone. At America’s Consumer Lawyer, we understand how personal injury cases can quickly spiral into financial distress, especially when banks and insurance companies pressure you to settle.
Our firm, led by Michael Agruss, focuses on consumer rights cases, ensuring that individuals like you aren’t taken advantage of during difficult times. We operate on a contingency fee basis, meaning you don’t pay unless we win your lawsuit. If debt collectors are harassing you over an overdue account, or if you need guidance on legal options, we’re here to discuss your case.
Many of our clients come to us through friends who’ve seen the impact of our work. Contact us today for a free consultation, and let’s take the next step to protect your rights—just sign up, and we’ll handle the rest.
That said, debt collectors are not allowed to do any of the following, or they will be in violation of the law:
Make False Statements
Debt collectors are allowed to try to collect a debt, but they are not to engage in any form of deceit. They can’t contact you and claim they are lawyers or representatives of the government. Additionally, they can’t lie and say that you have committed a crime and will be jailed.
Debt collectors must honestly detail where they are calling from, and if they tell you they work for a credit reporting company, it’s another lie. They are prohibited from misrepresenting the amount of money you owe or lie about the type of papers they send you. They can’t say the papers are legal forms if they are not, and conversely, they can’t tell you the papers they send are not legal forms when they are.
Threaten Action
Another thing the law forbids with debt collections is threatening actions. Debt collectors can’t tell you that you will be arrested for not paying your debts, according to Debt Collection Law. They can’t tell you that they will seize or sell your property or garnish your wages unless they get permission by the law to take this action. Calling to tell you this is an illegal action.
This can confuse consumers who have been inundated by calls night and day since legal action can be taken, though the proper steps must be utilized first. In other words, they can’t threaten you or scare you into paying the debt.
Falsifying Information
Debt collectors are not allowed to provide false credit information about you to any other person or entity. They can’t misrepresent themselves under a false company name or falsify documents to look like something that is official.
Engage in Unfair Practices
Debt Collection Law also prohibits debt collectors from using unfair practices while trying to collect debts. This means they can’t add interest, fees, or other charges on top of the amount owed unless the contract initially created with the company the debt is owed or state law allows it. They also can’t deposit post-dated checks early.
Fortunately, there is help through Agruss Law Firm collections that stand up for your consumer rights. If you are being harassed over debts, schedule a free initial consultation today.
