Vermont Collection Agency Harassment Relief Lawyer
As a consumer, you have rights against out of state collection agencies and your creditors. Federal and State laws protect consumers against unruly collection agencies who use threats, intimidation and harassment as tools in the collection process. If you are a victim of collection agency harassment, you can take action now to put an end to letters, phone calls and other practices. At Polow Polow & Mahoney, PLLC, we have more than 30 years of legal experience. We work hard to protect the rights of our clients.
Collection agencies prey on your lack of knowledge: don't be a victim because you don't know your rights. You can fight back. Call 802-888-7707 or contact us by e-mail for a free consultation.
Let Us Help You Put an End to Collection Agency Harassment
In many cases, our Vermont collection agency harassment relief lawyers are able to stop collection agency harassment with a single cease-and-desist letter. If the collection agency contacts you again, it may be in violation of a Federal law, which gives us an opportunity to pursue compensation on your behalf. In any situation, the bottom-line is that certain behaviors and practices are prohibited by the Fair Debt Collection Practices Act (FDCPA). Any violators are subject to lawsuits for monetary and statutory damages.
Illegal conduct may include:
- Using false claims or making false representations to collect information about the debtor or in an effort to collect a debt
- Using obscenity, racial slurs and other insulting language
- Making phone calls at unreasonable times (before 8 a.m. or after 9 p.m.) or calling repeatedly
- Contacting debtors at work after being told not to do so
- Using threats of violence
- Contacting relatives, neighbors, employers or others about the debts
- Threatening legal action without any intent to act
- Threatening to take your house or private property
Proving Collection Agency Harassment
Our Vermont collection agency harassment relief lawyers have extensive experience in the investigation and pursuit of FDCPA claims. There is no element of proof of damages, meaning that you do not have to prove monetary injury, only that a collection agency engaged in practices that were in violation of the law. If this is the case, you will recover damages and attorney's fees paid by the collection agency.
Pursuing Every Option Towards Debt Relief
We are committed to helping you resolve your financial problems. In addition to helping you stop collection agency harassment, we will engage in strategic negotiations to reduce your debts through settlement in certain situations. Many times collection agencies are hired by the actual creditor (usually a credit card company), but other times the collection agency is a "debt-buyer" who has purchased the debt for pennies on the dollar from the actual creditor. Their only job is to collect your debt. We will protect your rights to ensure compliance with the law.
It also may be necessary for you to consider bankruptcy. While we do not represent debtors in bankruptcy, we have an excellent referral network and can refer you to the best Vermont bankruptcy lawyers.
It costs you nothing to make a call and stop creditor harassment. Our Vermont collection agency relief lawyers do not collect compensation unless you succeed in your case. Call 802-888-7707 or contact us by e-mail for a free consultation with a Hyde Park, VT debtor rights attorney.