Are you the victim of harassing phone calls? Do you have pain every time the phone rings? Do creditors humiliate you?

I can Stop your Pain!

If you have bill collectors calling you and harassing you trying to collect debt from you they must do so within the bounds of the law. You are protected by Federal law from debt collection agencies from trying to belittle you, talking in an abusive manner, invading your privacy, using fear to try to get you to pay debts, lying to you, and a whole list other abusive and unfair tactics used by these agencies. You don't have to take it.

The Fair Debt collections act protects you from unfair, abusive or deceptive collection practices. Not only can you sue your collection agencies for violation of the act but in certain circumstances you can sue for intentional infliction of emotional distress or invasion of privacy.

General rule of thumb: If you wouldn't talk to your grandmother the way they are talking to you it is probably illegal.

Fair Debt Collection Practices Act - Wikipedia

If you are being harassed call me 810-632-9160 today!

I take these cases on contingency. That means if I don't collect you don't pay.

What should you do?

If you have a collection agency harassing you. Don't avoid them. Keep records of all phone conversations. Write down time, who you talked to, what was said, dated it, and make notes. Keep a file of all letters you get from collection agencies. Gather any witness. Then call me or me email me dddern@aol.com

810-632-9160

Here are a few things to look for:

Every letter must say they are a debt collection agency and any information will be used for that purpose.

Within 5 days of a collection agency's first communication with you they must tell you you have 30 days to dispute the debt. (This is called the validation period.)

They cannot talk to anyone about your debt except your spouse.

They cannot make false or misleading statements.

They cannot harass or humiliate you.

They cannot threaten you.

They cannot prematurely cash a post dated check.

Calling after 9:00 PM is forbidden.

These are only a few of the common things these predators do. Call me for details.

For each violation of the Fair Debt Collection Act you may be entitled to $1,000.00 plus all attorney fees and costs. That is why keeping good records are important.

There are also State of Michigan Fair Debt Collection laws.

Michigan Legislature

Under Michigan Law you can sue anyone who unfairly attempts to collect debt. It doesn't have to be a debt collection agency.

Not all collection agency are created equally. There are debt collection agency's that are notorious for snubbing the Fair Debt Collection Act.

If you are reading this page you may even know some of them.

NCO Financial Systems, Asset Acceptance, Michael Stillman and associates, Risk Management, Wolpoff & Abramson, OSI Collections, Merchants & Medical, Resurgent Capital Services, Sherman Acquisitions, or Curtis O Barnes are just a few. From my day to day observations of what goes on in the real world these collectors seem to think they are mighty and powerful.

But, by far the worst Debt Collection agency in America is CACV LLC. & Scott Lowery and Associates Law Office out of Denver CO. If you are getting harassed by these guys call me. Remember, just because you owe them money they are not above the law.

You don't have to take it. Stop the Pain. Call me at 810-632-9160 lets discuss your options!
Fair Debt Collection violations are running rampant. If your creditors are violating the law it is your duty as an American to do your part to stop these predators call me.

Lets face it if you are getting phone calls from collection agencies they don't expect you to call a tough attorney that will go after them. Please, don't let them violate the law. Call me 810-632-9160.