FREE Attorney for You.
YOU CAN SUE Third-Party Debt Collectors for Violating the Fair Debt Collections Practices Act.
Win up to $1,000 Per Case
FREE Attorney for You.
YOU CAN SUE Third-Party Debt Collectors for Violating the Fair Debt Collections Practices Act.
Win up to $1,000 Per Case
ARE DEBT COLLECTOR'S EMAILING YOU, CALLING YOU, TEXTING YOU, OR SENDING YOU LETTERS?
Empowering Consumers to Combat Debt Collection Harassment
Just answer a few easy questions on our straightforward questionnaire and send over any additional documents. Simple as that!
Find out for FREE if justice slipped through the cracks—if we discover any violations we will you connect you with a top-notch, winning lawyer today!
No matter what,
YOU WILL NOT PAY FOR ANY LEGAL SERVICES. ONLY PAY FOR MAILING.
Empowering Consumers to Combat Debt Collection Harassment
You fill out our simple questionnaire and submit your other evidence.
We review your situation for
free to determine if your rights have been violated and we
will connect you to an
award-winning attorney.
No matter what,
YOU WILL NOT PAY FOR ANY LEGAL SERVICES. ONLY PAY FOR MAILING.
How to Know if a Debt Collector is Doing Something Illegal
Examples of when a Debt Collector Breaks the Law
Has The Debt Collector…
Repeated annoying calls?
Called before 8 a.m. or after 9 p.m.?
Contacting you after you’ve asked them to stop?
If ANY Debt Collector has used deceitful, embarrassing, or
unfair tactics to collect a debt,
you may have a case!
Things Debt Collectors CANNOT DO
Add unauthorized fees, charges, or interest
Call before 8 a.m. or after 9 p.m.
Contact friends, relatives, or neighbors for your location when they already have it
Call your job when personal calls are not allowed
Using vulgar, racist, or defamatory language
Threaten legal action they don’t intend to take
Add on collections fees, late fees, interest charges or convenience fees coupled with accepting credit card payments
How to Know if a Debt Collector is
Doing Something Illegal
Examples of when a Debt Collector Breaks the Law
Has The Debt Collector…
Lied to you about anything?
Embarassed you or humiliated you?
Treated you unfairly?
If ANY Debt Collector (Or Original Creditor in California only) has done
anything to collect a debt that is untruthful, embarassing or unfair,
then you MAY have a case!
Things Debt Collectors CAN NOT DO
Call before 8AM or After 9PM
Call your friends, relatives or neighbors seeking your location when they already have this information
Calling your job (on your job-owned telephone) when your job doesn’t allow personal phone calls
Use vulgarity, swears, or racist/other defamatory language to collect a debt
Lie to you about the status of your debt or how much you actually owe
Lie about taking you to court or using “escalation” language like “we will advise our lawyers of your non-cooperation” insinuating legal consequences
Add on collections fees, late fees, interest charges or convenience fees coupled with accepting credit card payments
What is the Fair Debt Collection
Practices Act (FDCPA)?
The Fair Debt Collections Practices Act protects consumers from harassment
and privacy violations by bill collectors. It was enacted in 1966 and was amended by the
Financial Services Regulatory Relief Act of 2006.
Congress wanted to regulate how debt collectors, companies that collect debts for another company,
can contact and collect past due accounts. Prior to the FDPCA, debt collectors were able to use
harassment, intimidation and outright scare tactics to collect debts. Not anymore.
Now debt collectors must abide by a fair set of rules that govern their behavior.
If they decide to ignore those rules, that is where Help With Collections’s Lawyers
step in and represent you.
Debt Collectors such as AFNI, MIdland Funding, Midland Credit Management, Transworld,
Encore Capital, LVNV Funding (or the Attorneys that represent LVNV Funding) are all either Debt Buyers or Debt Collectors. Debt Collectors are subject to the FDCPA (Fair Debt Collections Practices Act). Violations allow you to bring your own lawsuit using our Lawyers, potentially winning you up to $1000 for a violation of the Act.
There are thousands of debt collectors, and many are fake and scams, so don’t be fooled
into giving your credit or debit card information over the phone without first requesting everything in writing.
Debt collectors MUST provide a letter detailing your account within 5 DAYS of the first attempt to contact you.
Didn’t get any letter or they refuse to send you something in the mail? SIGN UP!
What is the Fair Debt Collection
Practices Act (FDCPA)?
The Fair Debt Collections Practices Act protects consumers from harassment
and privacy violations by bill collectors. It was enacted in 1966 and was amended by the
Financial Services Regulatory Relief Act of 2006.
Congress wanted to regulate how debt collectors, companies that collect debts for another company,
can contact and collect past due accounts. Prior to the FDPCA, debt collectors were able to use
harassment, intimidation and outright scare tactics to collect debts. Not anymore.
Now debt collectors must abide by a fair set of rules that govern their behavior.
If they decide to ignore those rules, that is where Help With Collections’s Lawyers
step in and represent you.
Debt Collectors such as AFNI, MIdland Funding, Midland Credit Management, Transworld,
Encore Capital, LVNV Funding (or the Attorneys that represent LVNV Funding) are all either Debt Buyers or Debt Collectors. Debt Collectors are subject to the FDCPA (Fair Debt Collections Practices Act). Violations allow you to bring your own lawsuit using our Lawyers, potentially winning you up to $1000 for a violation of the Act.
There are thousands of debt collectors, and many are fake and scams, so don’t be fooled
into giving your credit or debit card information over the phone without first requesting everything in writing.
Debt collectors MUST provide a letter detailing your account within 5 DAYS of the first attempt to contact you.
Didn’t get any letter or they refuse to send you something in the mail? SIGN UP!
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