Using the Law to Your Advantage in Cases of Unfair Debt Collection
Debt collection practices are regulated by both state and federal laws. A debt collector may not threaten or harass you, contact you at inconvenient times or places, tell others about your debt or continue to contact you if you have requested that they stop. Debt collectors are also prohibited from lying about the nature and amount of your debt or the consequences of nonpayment.
If you have been a victim of unfair and deceptive debt collection practices, I want to know. I can offer you sound legal advice and experienced representation. I can help you stop the lying debt collectors in their tracks. Contact the Lindsey Law Firm today. Click here for related article.
End Unfair and Dishonest Debt Collection Today
My name is Mike Lindsey. I am a civil trial lawyer and consumer protection advocate. From my offices in Birmingham, I represent consumers throughout Alabama who have suffered because of illegal or unfair debt collection practices, including:
- Collecting any amount greater than your debt, unless specific law allows them to in your case
- Depositing a post-dated check prematurely
- Using deception to make you accept collect calls or pay for telegrams
- Taking or threatening to take your property unless this can be done legally
- Contacting you by postcard
- Falsely implying that they are attorneys or government representatives, or that they operate or work for a credit bureau
- Falsely implying that you have committed a crime
- Misrepresenting the amount of your debt
- Indicating that papers being sent to you are legal forms when they are not, or that they are not legal forms when they are
- Trying to collect a debt that has been paid or discharged in bankruptcy
- Harassing you in any way prohibited by law
Under the FDCPA (Fair Debt Collection Practices Act), you have the right to sue a debt collector who violates the law, in a state or federal court within one year from the date of the violation.
If you win your lawsuit regarding unfair debt collection, you may recover money for the damages you suffered plus an additional amount up to $1,000. Court costs and attorney's fees will also be paid for by the collector. If we do not prevail, you will owe me nothing.
During your free initial consultation, I will evaluate your case and help you understand your legal options for ending unfair and abusive debt collection. As a consumer, you have important rights. As your lawyer, it is my job to protect those rights. Contact me today.
Call the Lindsey Law Firm Today at 205-588-2896
