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These are hard times. And hard times too often bring out the bad actors. Many lenders, retailers and service providers are themselves today under stress and that can lead to them being willing to employ debt collectors who break the rules in order to attempt to collect amounts owed by consumers.

If you have been harassed by late night or early morning contacts from debt collectors, by threatening notices, by debt buyers who have purchased accounts you owe from the original creditor at pennies on the dollar, we can help.

Many debts and debt collectors are covered by the provisions of the Fair Debt Collection Practices Act (the "FDCPA"), which applies to most consumer debts such as those incurred in purchasing a home or a car for general transportation, non-business charge and other credit accounts and debts owed for medical and dental care or for townhome or condominium assessments and other charges. The provisions of the FDCPA apply to all persons or companies, other than the actual original creditor, who regularly collect debts for others and include companies that regularly buy debts which are in alleged default, all collection agencies and attorneys who on a regular basis collect debts or reporesent lenders in foreclosing mortgages.

Abusive collection practices, such as contacts by collectors in incovenient places or at inconvenient times, contacts at work if the debt collector should be aware that your employer does not permit such contacts, verbal harassment, use of obscene language and threats of harm are all prohibited by the FDCPA. Debt collectors cannot inform your employer, friends, credit references or neighbors that you have past due bills or owe debts. Debt collectors cannot contact you at all if they know you have an attorney. Click here for the

The FDCPA has teeth. The FDCPA allows debt collectors who violate its provisions to be held liable for $1,000 in statutory damages, all actual damages you may suffer and for all attorney fees and court costs incurred in pursuing them for violations of the Act. If you are experiencing problems with debt collectors, contact us now for a free consultation, to see how we can help.

You should note that in most cases where a defendant has violated the FDCPA, we will be able to represent you on a completely contingent basis; in other words, we don't get paid unless we win a judgment or a settlement where the defendant is required to pay our fees.