This can even happen when your debt is unenforceable or belongs to somebody else, which is why a consultation with a debt collection attorney can help make sure you know your rights.

Congress enacted the Fair Debt Collection Practices Act (FDCPA) to prevent abusive, deceptive and unfair tactics by debt collectors. Our attorneys have litigated many claims under FDCPA, which have involved situations such as:

• Misrepresentations regarding the amount of debt owed (including interest and penalties).
• Furnishing inaccurate or misleading information about a debt to credit reporting agencies.
• Attempts to collect debt belonging to another person or resulting from identity theft.
• Communicating with consumers at their workplace or with a consumer’s family member.
• Attempting to collect loans that have expired or passed the statute of limitations.
• Repeated calls to consumers early in the morning or late at night.
• Communicating with consumers without disclosing the debt collector’s identity.

If you’ve experienced any of the above practices, consulting a debt collection attorney can help you understand your legal rights.

How we can protect you as your debt collection attorney?

At Kelly Guzzo, PLC, our debt collection attorneys have the legal know-how and experience to help you fight unlawful debt collection practices. We’ll meet with you at no charge to see if you have a case and discuss next steps.