If you are struggling to pay your bills or do not think you owe a particular bill, then it is important to know your rights under Federal and State law for. It is stressful enough to be in debt, you do not need to put up with harassment from debt collectors or debt collection lawyers.
If you have filed for bankruptcy in the past, we can help you protect the fresh start you worked so hard to get. Our consumer protection attorneys can help you understand your rights. If a debt collector has violated the law, we can help you get compensation for it. At our firm, we typically take these cases on a contingent fee or fee shifting basis, meaning we do not get paid unless we obtain a successful settlement or court judgment for you. A Cleveland fair debt collection lawyer is ready to fight for your rights.
The Fair Debt Collection Practices Act (FDCPA) is a federal law that provides limitations on what debt collectors can do when collecting on consumer debts, which is a debt you owe for a personal, family, or household purpose. In addition, debt collectors have to comply with the Ohio Consumer Sales Practices Act (CSPA). A knowledgeable lawyer in Cleveland understands fair debt collection laws and how to use them in a suit.
The FDCPA and CSPA covers mortgages, car loans, credit cards, cable service, cell phone service, former landlords, student loans, and medical bills in Cleveland. Debts discharged by a bankruptcy filing are included. Debts for governmental taxes, fees, or penalties are excluded. An attorney in Cleveland could help determine an individual’s debt categorization under FDCPA.
Debt collectors are companies separate from the original lender, finance agency, or creditor. Debt collectors are typically collection agencies, debt buyers, and lawyers who regularly collect debts as part of their business. A creditor that is collecting on a debt you owe to the creditor is not a debt collector. A lawyer understands these differences and who is operating fair debt collection in Cleveland.
You are entitled to dispute the debt if you do not feel you owe it. You are also entitled to tell the debt collector to stop contacting you if you do not want any more calls or messages. However, the debt collector can still sue you for the fair debt. If a debt collector has acted unfairly, an attorney in Cleveland could file a claim for compensation.
Keep a diary of the date and substance of any calls or communications with a debt collector. If you request validation of the debt in writing, keep a copy of the letter you send. A lawyer in Cleveland could use this information for a suit under FDCPA.
If a debt collector is trying to secure a debt you feel was discharged when you filed for bankruptcy, reach out to our Fair Debt Collection lawyers today. Our legal team knows the FDCPA, the CSPA, and the bankruptcy laws. Call our office to discuss your claim and schedule a free case strategy session.