Learn How to Stop the Constant Creditor Harassment, Collection Calls, and Collection Letters.
You can FIGHT THE DEBT COLLECTORS!
We can put a stop to the annoying and relentless collection calls. Imagine how nice it will be when you can pick up your phone again without worrying who is on the other end. A quick call to The Owens Law Firm can stop the collection calls almost immediately.
Below you will find a short list of ways that you can stop creditor harassment and debt collectors in general. If you are ready to answer your phone again without the stress and anxiety of knowing it may be a debt collector please contact an experienced consumer rights attorney. We will review your situation and explain all options availabe to stop the calls from creditors.
We will show you how to get control of your phone and get the upper hand over the abusive debt collectors.
Ways to take control of your life and fight back against creditor harassment and abusive debt collectors:
Tell them via phone: Notify the creditor that you do not have the ability to pay the debt or that you have retained an attorney (assuming this is true). Although a written letter may be the better practice the key is that the debt collecor is on notice that you do not have the ability to pay or that you have retained a lawyer at The Owens Law Firm. At your free consultaion we will discuss your specific concerns regarding debt collectors and their agressive and intimidating practices. In almost every case we can present a custom strategy that will stop the harassment almost immediately. In fact, we offer a FREE service that will stop the debt and may actually put money in your pocket.
Written requests -- If your phone won’t stop ringing with debt collection calls or if you are getting threatening letters from your creditors, there are a number of steps you can take to put an end to these annoying tactics. The first thing you can do is to send the debt collectors a written request demanding that they stop contacting you. They then are required by law to stop immediately. However they are allowed to send you one final communication to let you know if they intend to take a specific action against you including filing a lawsuit. Call The Owens Law Firm to speak with our debt solutions attorney and learn how we can notify all of your creditors that you are represented and stop these phone calls immediately.
Retain an Attorney -- If you decide to retain a consumer rights, foreclosure defense attorney, or bankruptcy attorney such as our firm to represent you, the debt collector must then communicate with you only through your lawyer. You should consider contacting us if your debt collectors have filed lawsuits against you, or if you feel that their collection activities have violated your rights. The FDCPA gives you the right to file a lawsuit against any debt collector who violates your rights, if you bring your lawsuit within one year of the date you believe that your rights were violated. If you do not sue the debt collector within one year of the violation, you will not be able to bring a lawsuit at any time in the future.
If you win your lawsuit, you may recover your actual damages, statutory damages up to $1,000, and any of your attorney fees and costs. While the dollar amount may not seem that great, the costs for a debt collector who violates the law include much more. They will also face potential governmental regulatory action, increased insurance rates and the costs of retaining their own legal counsel. Call a consumer rights attorney at The Owens Law Firm to learn your rights, fight back against abusive debt collectors, and ask about how we can help you FREE of charge.
Defending Debt Collection Lawsuits – If you have received a Summons and Complaint or an Arbitration Notice for a credit card, medical, cell phone or other consumer debt you should know that you have options. There are often defenses to these lawsuits that may allow you to pay only a portion of your debt. Since creditors have the burden of proof, if their record-keeping is incomplete and they cannot prove that you owe the debt, you may not have to pay at all.
You should know that most creditor lawsuits are not challenged though, and you as a consumer are usually faced with a Default Judgment. This means you must pay the full amount that the creditor seeks as well as possible attorney fees and court costs. Your credit rating may be substantially damaged, causing you to pay higher interest rates on your loans. It may also make it more difficult for you to be hired or change jobs since many employers today check credit reports before hiring a new employee. That is why it is so important that you respond to these lawsuits promptly and professionally, to do everything possible to avoid a default judgment.
We may also be able to help you with a credit card debt that has gone or is about to go to a collection agency. Often we are able to negotiate more favorable payment terms, or even a lower amount that you may be able to pay. Some of your income and assets may be exempt from creditors, including your Social Security, pensions, homesteads and automobiles. Contact us so that we can review your situation with you and explain your options. You will know that your interests are being represented by a professional with the experience and commitment to help you make an informed and intelligent decision about how to best handle your situation.
As always you should keep very good notes and records about your conversations and contacts with your creditors. Keep a call log, keep voice mails, and all letters that you receive from these creditors. Call a creditor harassment attorney at The Owens Law Firm to discuss your options today! We will show you exactly what to do, give you written instructions to follow and the call logs to assist you keep accurate notes. Take control of your life and call us today.
The process is simple and painless and most clients actually enjoy turning the tables against the debt collectors that have harassed non-stop over the past few days, weeks, and months.