Just because you owe a debt, it doesn’t give a debt collector or collection agency the right to treat you unfairly! Nearly all States have enacted Fair Debt Collection Statutes to regulate debt collection, these laws mirror the protections offered to consumers in the Federal Fair Debt Collection Practices Act. In addition to making bad debt collectors stop their collection efforts against you, Fair Debt Collection Laws and other related consumer protection statutes can provide victims of debt collection abuse monetary damages of up to $1,000.00! In certain cases, additional damages can be awarded to a victim for malicious misconduct or intentional harm caused by the debt collector. And the debt collector pays your attorney’s fees!
What should you expect from the fair debt process
Many consumers want to know is the Fair Debt process a debt collection stopper and how a Fair Debt claim would proceed if their Fair Debt Collection rights have been violated. Though each case is different and the results may vary depending upon the facts, please find the basic steps of the process outlined below should the experienced Fair Debt For Consumer Attorneys listed on this site represent you in your FDCPA claim.
- You call 888-888-595-9111 with all of the information concerning your potential case, OR you complete the FREE FAIR DEBT CASE REVIEW form.
- An attorney practicing Fair Debt For Consumers will review the information to determine initially if you have a claim.
- An attorney calls you right away to go over the information to determine if there is a strong possibility you have a potential claim.
- Next, you fax or e-mail information outlining the facts of your potential case.
A Fair Debt For Consumers attorney reviews all of your paperwork and contacts you to let you know if your case is accepted and what the reasonable outcome to your case could be. During this process, you will be asked about your other core federal consumer protection rights as related to this debt collector, and as a consumer generally. These laws provide damages that may exceed $500 per call and $10,000 per occurence.
- The attorney puts the defendant (the debt collection company in most cases) on notice of your claim and then tries to resolve the matter without the need for court intervention. This method can be performed by an informal letter.
- Throughout this portion of the process, should a settlement offer be made, the attorney will contact you immediately to discuss your options and counsel you on whether to accept or reject.
- If no settlement is reached, the attorney then files suit in the court which serves your specific case needs best.
- After filing suit, the attorney begins the process of discovery and disclosure by providing the collection company proof of its FDCPA violations, and by asking for more detailed information from them in return. This step involves thoroughly researching all the facts and even some of the hidden clues of your case in depth.
- Throughout this process, the attorneys will consistently urge the collector to settle, while at the same time preparing for trial. If resolution cannot be reached after all the above, the attorney then proceeds to trial. Less than 1% of all of cases go to trial.
- In conclusion, the experienced Fair Debt For Consumer attorneys on this site have a constant objective to do everything possible to secure your total legal recovery and satisfaction.