Debt collection agencies offer their services to financial institutions and business entities seeking to collect debts. If a law firm is contacting you about a debt, the collection agency did not manage to collect it and is passing it on to an attorney. If this occurs, you are potentially one step away from litigation, which causes consumers considerable stress.
If a debt collection law firm contacts you, you can take steps to protect yourself. America’s Consumer Lawyer helps consumers understand their rights and the range of options for dealing with potential litigation regarding a debt.
What is Cloud Willis & Ellis, LLC?
Cloud Willis & Ellis, LLC is a law firm that specializes in debt collection, focusing on the Alabama and Georgia markets. The practice leverages its investment in specialized communication software systems to maximize results for its clients.
Cloud Willis & Ellis, LLC is active in real estate closings, foreclosures, and corporate law. They also work in personal injury, estate planning, and bankruptcy areas.
What is Cloud Willis & Ellis, LLC’s Better Business Bureau Rating?
Cloud Willis & Ellis, LLC has a listing on the Better Business Bureau that states they have accreditation with the BBB. The company is under the ‘lawyers’ category, and its address is 3928 Montclair Rd, Suite 227, Mountain Brk, Alabama. Cloud Willis & Ellis, LLC currently has a 1 out of 5-star rating from two consumer reviews.
As per their claims, the reviews speak of poor customer service practices and debts that have nothing to do with the consumers. BBB users note similar issues in the complaints section of the law firm’s profile.
Debt Collection Attorneys Must Abide by the Fair Debt Collection Practices Act
A collection law firm that contacts you about your debt is equivalent to a debt collection agency in the eyes of the law. This means that the firm must abide by the Fair Debt Collection Practices Act (FDCPA).
A debt collection law firm cannot harass you with constant calls at all hours of the day and night. The law prohibits a debt collection practice from contacting your employer, family, or friends about your debt and prohibits the law firm from misleading you.
Cloud Willis & Ellis, LLC cannot threaten to sue you unless they intend to go ahead with litigation. If they do, you should take appropriate action to protect your rights as soon as you receive communication from the firm.
What Should I Do if Cloud Willis & Ellis, LLC Contacts Me?
If Cloud Willis & Ellis, LLC contacts you, it’s essential to take action immediately. The debt collection law practice may call you on the phone, mail you a debt validation letter, or serve you with a collection suit.
If the latter occurs, you need to act quickly. State law dictates how long you have to respond. Contact a consumer protection attorney to help prepare your formal response.
Verify and Plan Your Response
It isn’t rare for errors and inaccuracies regarding debt to make their way onto a debt collection law firm’s file. First, make sure the debt belongs to you. If the debt is valid, check that the details regarding the debt, including the amount, are accurate.
If you spot any errors, you need to point them out promptly. An experienced attorney may even be able to dispute the repayment under certain circumstances.
Contacting a Debt Collection Lawyer
Parallel to verifying your debt, you should seek a knowledgeable attorney to represent you. This action guards you against the law firm harassing you while potentially giving you a way out of the debt. They can help you find solutions that protect your personal assets in some cases.
A consumer lawyer will investigate if the debt collection law firm violated any sections of the FDCPA. If they fail to comply with any provisions, they are liable for your damages and an additional $1,000 per violation. The court considers the debt collector’s history of noncompliance and harassment when determining liability. An experienced lawyer builds a strong case against the debt collector to maximize your compensation.
Getting Protection Against a Debt Collection Law Firm
If Cloud Willis & Ellis, LLC calls you or contacts you via mail, you need to find a top-level debt collection lawyer as soon as possible. Even if a letter from the debt collection law firm threatens a lawsuit, you can still dispute the debt as long as you do it within 30 days of receiving the letter.
Booking a free consultation today with America’s Consumer Lawyer allows you to examine all options for dealing with Cloud Willis & Ellis, LLC. Our qualified lawyers can determine whether the letter you received violates the FDCPA or whether any of the firm’s communication with you is illegal. We will communicate with the debt collection law firm on your behalf and help you determine the best option for your case.
