Credit Reporting, Lending and Debt Collection
Contact an Ohio Attorney to Discuss a Credit Report Dispute, Fair Debt Collection Violation or a Truth In Lending Violation
Annoying debt collectors may be more than an inconvenience. They may be breaking the law with their aggressive tactics. The Sandusky, Ohio, law firm of Murray & Murray Co., L.P.A., welcomes the opportunity to review the facts in your situation to determine if you may be the victim of one or more of the following:
- Violations of truth in lending laws
- Violations of the Fair Debt Collection Practices Act (FDCPA)
- Violations of the Fair Credit Reporting Act (FCRA)
- Violations of the Fair Credit Billing Act (FCBA)
Debt collectors have very specific rules to follow when attempting to collect on consumer debts. They must announce at the beginning of a call or in any written correspondence that they are attempting to collect a debt. If they call you, they must call between the hours of 8 am and 9 pm, local time.
If you ask for validation of the debt, they must provide documentation showing that you owe the amounts claimed. If you ask in writing for a debt collection agency to stop contacting you, they must do so, with certain exceptions.
Many debt collection agencies have little regard for the law and see fit to break the law in order to collect on debts. And when these companies do break the law, it is necessary for consumer protection lawyers to take them to task.
The consumer protection lawyers of Murray & Murray Co., L.P.A., represent clients who have been victims of FDCPA (Fair Debt Collection Practices Act) violations. Violators of the FDCPA are liable for attorney's fees, as well as any statutory damages. Call or e-mail our law firm if you believe you are being unfairly hounded or harassed by debt collectors.