About Your Rights
We know that when you’re the victim of debt collectors, you need access to reliable information – fast. That’s why we’re here to help.
Federal and state consumer protection laws help to ensure that you’re not victimized. Unfortunately, many people are unaware of their rights under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, the Telephone Consumer Protection Act, and the Servicemembers Civil Relief Act. We’ll explain your rights under those federal laws, as well as your debt collection rights under state law.
Here, you can learn about the illegal tactics and dirty tricks debt collection agencies use to put the squeeze on you, and how you can fight back. You can discover you credit reporting rights and how you can check your credit reports for free. You can also pick up tips on how to negotiate a debt settlement, and access sample letters and scripts. There’s also general information on bankruptcy, and how to report debt collectors to consumer protection agencies.
We hope that you find this information useful, and urge you to contact us at if you need advice or a free case evaluation.
What Would You Like to Learn About?
Your Debt Collection Rights – Learn which debt collectors are covered under the Fair Debt Collection Practices Act, the illegal tactics used by some debt collectors, the role of fair debt attorneys, and how to sue debt collectors.
Debt Buyers – Debt buyers purchase large portfolios of charged-off debt, and then try to collect from consumers. Learn about the major players in the debt buying industry, statutes of limitations on debt, and what to do about time-barred debt.
Student Loan Debt Collection – Learn about the ways in which student loan debt collection differs from other types of debt collection, and about the debt collection agencies that collect for the Department of Education. Discover how to dispute a student loan and how to renegotiate the terms of a defaulted student loan.
Deceased Debt Collection – Unscrupulous debt collectors prey upon grieving loved ones in order to collect on debts owed by the deceased. Get straight information about what happens to debt when a person dies and the rules collectors must follow when collecting deceased debt.
Negotiating a Debt Settlement – Learn how to negotiate a debt settlement at a fraction of the outstanding balance while avoiding the traps that debt collectors often set.
Your Rights and Default Judgments – Debt collector often sue consumers and obtain default judgments – without the consumer’s knowledge. Learn about default judgments and how to vacate a judgment.
Your Credit Reporting Rights – Your credit score has a dramatic impact on your everyday life. Learn what you can do when collection agencies report inaccurate information to the credit reporting bureaus, don’t investigate disputed debts, or don’t report payment on an overdue debt.
Your Rights Under the Telephone Consumer Protection Act – Debt collectors and telemarketers often use prerecorded voices and automated dialers to call consumers. These are known as “robocalls.” Learn about how to fight back and assert your rights under the Telephone Consumer Protection Act.
Your Bankruptcy Rights – If you’re overwhelmed with debt, bankruptcy can give you a fresh start. If you’ve had debts discharged through bankruptcy but are still being hassled by debt collectors, you can fight back. Learn more about bankruptcy and bankruptcy stay violations.
Sample Debt Collection Letters & Scripts – Sending letters to debt collection agencies and credit reporting agencies can help protect your rights. Find sample letters and scripts you can use when you’re being hounded by debt collectors.
Reporting Debt Collector Harassment – Even though you can sue debt collectors for violations of the FDCPA, it’s still a good idea to report harassing debt collectors to the government agencies in charge of enforcing federal and state laws. Learn where to file a complaint of debt collector abuse.
The Servicemembers Civil Relief Act – Active duty servicemembers are afforded some financial protections. Learn about your right to lower interest rates, as well as how the SCRA can protect you from vehicle repossession, default judgments, pay garnishment, and other financial catastrophes.
Banks, Debt Collection, and Credit Reporting – Banks will often make it appear as though a third-party debt collector is contacting you, when in fact bank employees or bank subsidiaries are actually behind the collection process. When this happens, you’re protected by the FDCPA. Learn about banks, debt collection, and credit reporting.
State Debt Collection Laws – If you live in a state with consumer protections against debt collection abuse, you may be able to sue unscrupulous debt collectors under both state and federal law. Learn about your state’s debt collection laws.
Lemberg & Associates’ team
of consumer attorneys is highly
skilled and ready to help you
with debt collector abuse.
If you have been the victim of harassment or illegal or unfair debt collection practices, Lemberg & Associates will discuss your options with you and protect your rights. For more information, contact Lemberg & Associates today at .
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