State Laws:

  • You are protected under several federal laws below. Scroll down to learn more about debt collection harassment, robocalls, unauthorized electronic payments, and credit report problems.

  • You are protected under several federal laws below. Scroll down to learn more about debt collection harassment, robocalls, unauthorized electronic payments, and credit report problems.

  • You are protected under several federal laws below. Scroll down to learn more about debt collection harassment, robocalls, unauthorized electronic payments, and credit report problems.

  • You are protected under several federal laws below. Scroll down to learn more about debt collection harassment, robocalls, unauthorized electronic payments, and credit report problems.

  • The Rosenthal Fair Debt Collection Practices Act protects California residents from original creditors such as mortgage companies, credit card companies, auto loans, medical bills, and utility bills. Like the federal debt collection law, California consumers can get damages up to $1,000.00 under the Rosenthal Act. Plus, the Rosenthal Act also has a fee-shift provision. So, you won’t pay us a penny for our fees or costs for our help stopping creditor harassment. When we work on original creditor harassment cases, often times (depending on the amount of the debt) we’re able to get the underlying debt waived and your credit report updated.

  • You are protected under several federal laws below. Scroll down to learn more about debt collection harassment, robocalls, unauthorized electronic payments, and credit report problems.

  • The Creditors' Collection Practices Act (CCPA) protects Connecticut residents from original creditors such as mortgage companies, credit card companies, auto loans, medical bills, and utility bills. Like the federal debt collection law, Connecticut consumers can get damages up to $1,000.00 under the CCPA. Plus, the CCPA also has a fee-shift provision. So, you won’t pay us a penny for our fees or costs for our help stopping creditor harassment. When we work on original creditor harassment cases, often times (depending on the amount of the debt) we’re able to get the underlying debt waived and your credit report updated.

  • You are protected under several federal laws below. Scroll down to learn more about debt collection harassment, robocalls, unauthorized electronic payments, and credit report problems.

  • The Florida Consumer Collection Practices Act (FCCPA) protects Florida residents from original creditors such as mortgage companies, credit card companies, auto loans, medical bills, and utility bills. Like the federal debt collection law, Florida consumers can get damages up to $1,000.00 under the FCCPA. Plus, the FCCPA also has a fee-shift provision. So, you won’t pay us a penny for our fees or costs for our help stopping original creditor harassment. When we work on original creditor harassment cases, often times (depending on the amount of the debt) we’re able to get the underlying debt waived and your credit report updated.

  • You are protected under several federal laws below. Scroll down to learn more about debt collection harassment, robocalls, unauthorized electronic payments, and credit report problems.

  • You are protected under several federal laws below. Scroll down to learn more about debt collection harassment, robocalls, unauthorized electronic payments, and credit report problems.

  • You are protected under several federal laws below. Scroll down to learn more about debt collection harassment, robocalls, unauthorized electronic payments, and credit report problems.

  • You are protected under several federal laws below. Scroll down to learn more about debt collection harassment, robocalls, unauthorized electronic payments, and credit report problems.

  • You are protected under several federal laws below. Scroll down to learn more about debt collection harassment, robocalls, unauthorized electronic payments, and credit report problems.

  • The Iowa Fair Debt Collection Practices Act protects Iowa residents from original creditors such as mortgage companies, credit card companies, auto loans, medical bills, and utility bills. Like the federal debt collection law, Iowa consumers can get damages up to $1,000.00 under the Iowa state law. Plus, the Iowa Fair Debt Collection Practices Act also has a fee-shift provision. So, you won’t pay us a penny for our fees or costs for our help stopping original creditor harassment. When we work on original creditor harassment cases, often times (depending on the amount of the debt) we’re able to get the underlying debt waived and your credit report updated.

  • The Kansas Consumer Protection Act (KCPA) is an additional layer of protection for Kansas residents. The law is modeled in general consumer protection terms rather than specific debt collection terms, like the Fair Debt Collection Practices Act. The maximum statutory damages are $10,000.00. However, for willful violations, the damages are $20,000.00. The KCPA also has a fee-shift provision. So, you won’t pay us a penny for our fees or costs for our help stopping original creditor harassment. When we work on original creditor harassment cases, often times (depending on the amount of the debt) we’re able to get the underlying debt waived and your credit report updated.

  • You are protected under several federal laws below. Scroll down to learn more about debt collection harassment, robocalls, unauthorized electronic payments, and credit report problems.

  • The purpose of the Louisiana Fair Debt Collection Practices Act is to supplement the Federal Fair Debt Collection Practice Act. The Louisiana Fair Debt Collection Practices Act is not as broad as some other state laws, like Florida, North Carolina, and California. If you live in Louisiana and are being harassed by debt collector, you have rights under the Federal Fair Debt Collection Practice Act and the the Louisiana Fair Debt Collection Practices Act. Contact us today to learn about those rights.

  • You are protected under several federal laws below. Scroll down to learn more about debt collection harassment, robocalls, unauthorized electronic payments, and credit report problems.

  • The Maryland Consumer Protection Act protects Maryland residents from original creditors such as mortgage companies, credit card companies, auto loans, medical bills, and utility bills. Consumers may recover damages for emotional distress or mental anguish suffered with or without accompanying physical injury. Actual damages exist from mental anguish from collection calls. Plus, the Maryland Consumer Protection Act has a fee-shift provision. So, you won’t pay us a penny for our fees or costs for our help stopping original creditor harassment. When we work on original creditor harassment cases, often times (depending on the amount of the debt) we’re able to get the underlying debt waived and your credit report updated.

  • In Massachusetts, the Regulation of Business Practices for Consumer Protection protects consumers from original creditors such as mortgage companies, credit card companies, auto loans, medical bills, and utility bills. Damages under this statute appear to provides for $25.00 per violation which can be trebled. There’s also a a fee-shift provision. So, you won’t pay us a penny for our fees or costs for our help stopping original creditor harassment. When we work on original creditor harassment cases, often times (depending on the amount of the debt) we’re able to get the underlying debt waived and your credit report updated.

  • The Michigan Occupational Code protects Michigan residents from original creditors such as mortgage companies, credit card companies, auto loans, medical bills, and utility bills. Although damages under the law are nominal, consumers may recover actual damages or $50.00. The damages can be trebled to $150.00 for willful violations. Plus, the Michigan state law also has a fee-shift provision. So, you won’t pay us a penny for our fees or costs for our help stopping original creditor harassment. When we work on original creditor harassment cases, often times (depending on the amount of the debt) we’re able to get the underlying debt waived and your credit report updated.

  • You are protected under several federal laws below. Scroll down to learn more about debt collection harassment, robocalls, unauthorized electronic payments, and credit report problems.

  • You are protected under several federal laws below. Scroll down to learn more about debt collection harassment, robocalls, unauthorized electronic payments, and credit report problems.

  • You are protected under several federal laws below. Scroll down to learn more about debt collection harassment, robocalls, unauthorized electronic payments, and credit report problems.

  • You are protected under several federal laws below. Scroll down to learn more about debt collection harassment, robocalls, unauthorized electronic payments, and credit report problems.

  • The Nebraska Consumer Protection Act protects Nebraska residents from original creditors such as mortgage companies, credit card companies, auto loans, medical bills, and utility bills. Nebraska consumers can get statutory damages of $1,000.00 per violation, under the Nebraska state law. Plus, the Nebraska Consumer Protection Act also has a fee-shift provision. So, you won’t pay us a penny for our fees or costs for our help stopping original creditor harassment. When we work on original creditor harassment cases, often times (depending on the amount of the debt) we’re able to get the underlying debt waived and your credit report updated.

  • You are protected under several federal laws below. Scroll down to learn more about debt collection harassment, robocalls, unauthorized electronic payments, and credit report problems.

  • The New Hampshire Unfair, Deceptive or Unreasonable Collection Practices Act protects New Hampshire residents from original creditors such as mortgage companies, credit card companies, auto loans, medical bills, and utility bills. New Hampshire consumers can get up to $200.00 in damages per violation. Plus, the New Hampshire Unfair, Deceptive or Unreasonable Collection Practices Act also has a fee-shift provision. So, you won't pay us a penny for our fees or costs for our help stopping original creditor harassment. When we work on original creditor harassment cases, often times (depending on the amount of the debt) we're able to get the underlying debt waived and your credit report updated.

  • You are protected under several federal laws below. Scroll down to learn more about debt collection harassment, robocalls, unauthorized electronic payments, and credit report problems.

  • You are protected under several federal laws below. Scroll down to learn more about debt collection harassment, robocalls, unauthorized electronic payments, and credit report problems.

  • You are protected under several federal laws below. Scroll down to learn more about debt collection harassment, robocalls, unauthorized electronic payments, and credit report problems.

  • The North Carolina Debt Collection Act might be the most consumer friendly state law in the country. Consider yourself lucky if you live in North Carolina and you’re having an issue with an original creditor. The NC state law protects its residents from original creditors such as mortgage companies, credit card companies, auto loans, medical bills, and utility bills. North Carolina consumers can get damages between $500.00 and $4,000.00 under the state law. Plus, the North Carolina Debt Collection Act also has a fee-shift provision. So, you won’t pay us a penny for our fees or costs for our help stopping original creditor harassment. When we work on original creditor harassment cases, often times (depending on the amount of the debt) we’re able to get the underlying debt waived and your credit report updated.

  • You are protected under several federal laws below. Scroll down to learn more about debt collection harassment, robocalls, unauthorized electronic payments, and credit report problems.

  • You are protected under several federal laws below. Scroll down to learn more about debt collection harassment, robocalls, unauthorized electronic payments, and credit report problems.

  • The Oklahoma Consumer Protection Act protects Oklahoma residents from original creditors such as mortgage companies, credit card companies, auto loans, medical bills, and utility bills. Oklahoma consumers can get damages of $2,000.00 per violation, capped at $10,000.00, under the Oklahoma state law. Plus, the Oklahoma Consumer Protection Act also has a fee-shift provision. So, you won’t pay us a penny for our fees or costs for our help stopping original creditor harassment. When we work on original creditor harassment cases, often times (depending on the amount of the debt) we’re able to get the underlying debt waived and your credit report updated.

  • The Oregon Unlawful Debt Collection Practices Act protects Oklahoma residents from original creditors such as mortgage companies, credit card companies, auto loans, medical bills, and utility bills. Oregon consumers can get damages of $200.00, and in some cases punitive damages. Plus, the Oregon Unlawful Debt Collection Practices Act also has a fee-shift provision. So, you won’t pay us a penny for our fees or costs for our help stopping original creditor harassment. When we work on original creditor harassment cases, often times (depending on the amount of the debt) we’re able to get the underlying debt waived and your credit report updated.

  • You are protected under several federal laws below. Scroll down to learn more about debt collection harassment, robocalls, unauthorized electronic payments, and credit report problems.

  • You are protected under several federal laws below. Scroll down to learn more about debt collection harassment, robocalls, unauthorized electronic payments, and credit report problems.

  • You are protected under several federal laws below. Scroll down to learn more about debt collection harassment, robocalls, unauthorized electronic payments, and credit report problems.

  • You are protected under several federal laws below. Scroll down to learn more about debt collection harassment, robocalls, unauthorized electronic payments, and credit report problems.

  • You are protected under several federal laws below. Scroll down to learn more about debt collection harassment, robocalls, unauthorized electronic payments, and credit report problems.

  • The Texas Debt Collection Act protects Texas residents from original creditors such as mortgage companies, credit card companies, auto loans, medical bills, and utility bills. Texas consumers can get damages of $100.00 for each violation. Plus, the Texas Debt Collection Act also has a fee-shift provision. So, you won’t pay us a penny for our fees or costs for our help stopping original creditor harassment. When we work on original creditor harassment cases, often times (depending on the amount of the debt) we’re able to get the underlying debt waived and your credit report updated.

  • You are protected under several federal laws below. Scroll down to learn more about debt collection harassment, robocalls, unauthorized electronic payments, and credit report problems.

  • You are protected under several federal laws below. Scroll down to learn more about debt collection harassment, robocalls, unauthorized electronic payments, and credit report problems.

  • You are protected under several federal laws below. Scroll down to learn more about debt collection harassment, robocalls, unauthorized electronic payments, and credit report problems.

  • You are protected under several federal laws below. Scroll down to learn more about debt collection harassment, robocalls, unauthorized electronic payments, and credit report problems.

  • The West Virginia Consumer Credit and Protection Act protects West Virginia residents from original creditors such as mortgage companies, credit card companies, auto loans, medical bills, and utility bills. West Virginia consumers can get damages of $1,000.00 per violation, capped at $175,000.00 or the total alleged outstanding indebtedness (whichever is greater), under the West Virginia state law. Plus, the West Virginia Consumer Credit and Protection Act also has a fee-shift provision. So, you won’t pay us a penny for our fees or costs for our help stopping original creditor harassment. When we work on original creditor harassment cases, often times (depending on the amount of the debt) we’re able to get the underlying debt waived and your credit report updated.

  • The Wisconsin Consumer Act protects Wisconsin residents from original creditors such as mortgage companies, credit card companies, auto loans, medical bills, and utility bills. Wisconsin consumers can get up to $1,000.00 in damages. Plus, the Wisconsin Consumer Act also has a fee-shift provision. So, you won’t pay us a penny for our fees or costs for our help stopping original creditor harassment. When we work on original creditor harassment cases, often times (depending on the amount of the debt) we’re able to get the underlying debt waived and your credit report updated.

  • You are protected under several federal laws below. Scroll down to learn more about debt collection harassment, robocalls, unauthorized electronic payments, and credit report problems.

Fair Debt Collection Practices Act (FDCPA):

The FDCPA has been around since 1977. The FDCPA is a federal law that applies to every state. In other words, everyone is protected by the FDCPA. The FDCPA is essentially a laundry list of what debt collectors can and cannot do while collecting a debt, as well as things debt collectors must do while collecting a debt.

  • Damages: If a collection agency violates any section of the FDCPA, the consumer is entitled to damages up to $1,000.00. Additional damages are warranted in cases where the collector’s collection activities were so egregious the consumer suffered emotional distress. 99% of cases do not involve emotional distress damages.

  • Attorney’s fees: The FDCPA has a fee-shift provision. This means, the collection agency pays the consumer’s attorney’s fees and costs.

  • Debt that is covered by the FDCPA: Only consumer debt, such as personal, family, and household debts. For example, money you owe on a personal credit card, an auto loan, a medical bill, or a utility bill. The FDCPA does not cover debts you incurred to run a business, debts regarding unpaid taxes, or traffic tickets.

  • The FDCPA only applies to 3rd-party debt collectors: The FDCPA defines a debt collector as any person who regularly collects, or attempts to collect, consumer debts for another person or institution. In short, only third-party debt collectors are bound by the FDCPA. That is, original creditors, such as credit card companies and banks are not bound by the FDCPA.

Top FDCPA Violations:

  1. Communicated (phone or letter) with you after you filed for bankruptcy.
  2. Communicated (phone or letter) with you after you told the collector you have a lawyer.
  3. Called you about a debt you do not owe after you informed the collector you do not owe the debt.
  4. Called you at work after you told them you cannot receive such calls at work.
  5. Left you a message without identifying the company’s name.
  6. Left you a message without disclosing that the call is from a debt collector.
  7. Called third parties (family, friends, coworkers, or neighbors) even though the collection agency knows your contact information.
  8. Disclosed to a third party (family, friends, coworkers, or neighbors) that you owe a debt.
  9. Contacted you after you told the collection agency, in writing, to stop contacting you.
  10. Threatened you with legal action (such as a lawsuit or wage garnishment) even though the collection agency does not intend to follow through with its threat.
  11. Called you before 8:00 AM or after 9:00 PM.
  12. Continued to call you after you have told the collector you cannot pay the debt.

Telephone Consumer Protection Act (TCPA):

Have you ever received a phone call from an unknown but local phone number? Chances are you have, most everyone of us has, and when you answered the call you were greeted with silence or some pre-recorded message. After a few awkward seconds and repeating yourself to be removed the list, you hang up frustrated by another robot calling your phone. What do they really want, and why don’t they ever stop calling?

Fortunately for consumers, the TCPA, limits the use of automatic dialing systems, prerecorded voice messages, and unsolicited text messages. Passed in 1991, the TCPA allows for damages ranging from $500.00 – $1,500.00 per call or text. In describing the importance of the TCPA, Senator Hollings, the TCPA’s sponsor, said, “I echo Supreme Court Justice Louis Brandeis, who wrote 100 years ago that ‘the right to be left alone is the most comprehensive of rights and the one most valued by civilized man.’”

If a company has your permission to place robocalls to you, you can revoke your consent. If robocalls continue after the consumer says stop calling, the consumer has a TCPA case.

Electronic Fund Transfer Act (EFTA):

The EFTA protects electronic payments that are deducted from bank accounts. If a company took unauthorized deductions from your bank account, you may have an EFTA claim. Most collection agencies want to set up re-occurring payments from consumers. Imagine how much money collection agencies gets if hundreds, if not thousands, of consumers electronically pay them $50-$100, or more, per month. If you a consumer agreed to this type of re-occurring payment, the company must follow certain steps to comply with the EFTA. The EFTA allows for statutory damages up to $1,000.00 and actual damages for the payments made. The EFTA also has a fee-shift provision. This means, the company pays the consumer’s attorney’s fees and costs.

Fair Credit Reporting Act (FCRA):

The FCRA works to ensure that no information reported to your credit report is false. In essence, it gives you the right to dispute those inaccuracies that you find on your credit report. Are you one of the 40 million Americans that have a mistake on their credit report? Mistakes on your credit report can be very costly. Along with causing you to pay higher interest rates, you may be denied credit, insurance, a rental home, a loan, or even a job because of these mistakes. Some mistakes may include someone else’s information on your credit report, inaccurate public records, stale collection accounts, or maybe you were a victim of identity theft. If a credit reporting agency violates its obligations under the FCRA, you may be entitled to statutory damages up to $1,000.00, plus the credit reporting agency will be required to fix the error. The FCRA also has a fee-shift provision. This means, the credit reporting agency pays the consumer’s attorney’s fees and costs.

Under the FCRA, you have a legal right to dispute and remove inaccurate information from your credit report. These inaccuracies come in three common forms:

  1. Wrong information – Untrue information such as criminal records, driving records, accounts you did not open, mixed or merged files with someone else’s information (such as a family member or someone with the same name), judgments for lawsuits which didn’t involve you, or debts you did not incur can be permanently removed from your credit report.

  2. Duplicate information – Some accounts or transactions may be listed more than once in your credit report, and it’s helpful to ensure that your report is duplicate-free to avoid appearing to have more debt or credit-related problems than you do.

  3. Old and negative information – Most types of outdated negative credit information, such as foreclosures, judgments, liens, lawsuits, and bankruptcy, can be removed after about seven years.