Wrongful Consumer Debt Collection
All of us, at one time or another in our lives, find ourselves in a financial pinch. Sometimes, things progress from a pinch to a real problem — unemployment, unexpected medical bills or a divorce can leave us strapped for cash and unable to make the payments on credit cards or other debt.
The law firm of Gramling Estes Law Firm, has more than 60 years of experience dealing with folks just like you, who — despite your best intentions — are running into financial issues and need help.
Northwest Arkansas Creditor Harassment Lawyers
Often, individuals wanting to do the right thing try to negotiate or compromise with debt collection agencies. Unfortunately, these agencies are rarely interested in compromise. Instead, they will resort to unscrupulous methods to collect everything owed. They may call your neighbors, your employers and other parties. They may call at all hours of the day and night. They may threaten legal action and more. This is nothing more than harassment. Our wrongful debt collection lawyers in Fayetteville can help.
These Actions May Be Illegal
The federal Fair Debt Collection Practices Act (FDCPA) mandates the actions of collection agencies. There are myriad ways that collection agencies will try harass and otherwise embarrass you in an effort to get you to pay a debt, that, let’s be honest, if you could pay you would.
What’s more, these agencies count on you not knowing the law. It is important for you to know: for every instance that they violate the Fair Debt Collection Practices Act, they are liable for a fine to you.
That includes every phone call at work when you have told them not to, that includes reporting inaccurate or disputed information to the credit bureaus, that includes threatening legal action or sending false “legal-looking” actions in the mail, designed to make you think they have filed in court against you.
The attorneys at Gramling Estes Law Firm, finds this kind of activity to be exactly what it is: illegal, aggravating and actionable. By actionable, we mean that the law exists to protect consumers, and when the law is broken, you have a valid claim against the perpetrators.
Allow us to give you a free consultation and to assess your case to see if you have a claim against a collection agency.
Personal | Professional | Protective
Located in Fayetteville, Arkansas, the law firm of Gramling Estes Law Firm, offers compassionate, experienced legal representation. Professional and personal, we strive to protect the rights of our clients — for now and for their future well-being.
For a personal, free consultation, please contact us.