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HAVE YOU BEEN A VICTIM OF
DEBT COLLECTION HARASSMENT?

We Stop Debt Collectors From Harassing You

As of December 2015, the Federal Reserve estimated that consumer debt had reached its highest level ever with American citizens owing over $3.5 trillion.  Virtually everyone undertakes debt with the sincere intention of paying timely.  However, circumstances can unexpectedly and suddenly change and you can find yourself unable to meet your obligations.

If you could pay, you would, but that does not stop unscrupulous debt collectors from illegally harassing you.  The debt collection industry is notorious for flaunting the law, and the Federal Trade Commission stated in its annual report that based on the complaints it received under the Fair Debt Collection Practices Act (FDCPA) the debt collection industry again generated the most consumer complaints in 2015.

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We Will End The Debt Collector Harrassment

If debt collectors are harassing you because you are currently suffering financially, the Citizens’ Attorney understands your rights and will fight back for you and stop the harassment.

The FDCPA regulates the debt collection industry and sets forth what debt collectors are prohibited from doing in the course of collecting a debt. Under the FDCPA, if a debt collector violates the law you can receive monetary damages.

What Are Debt Collectors Prohibited From Doing?

The FDCPA prohibits debt collectors from engaging in any of the following conduct:

  • Calling you continually and repeatedly;
  • Calling you at your place of business;
  • Calling before 8:00 a.m. or after 9:00 p.m.;
  • Using profanity or offensive or abusive language;
  • Using deceptive collection tactics;
  • Misrepresenting the amount, nature or character of the debt;
  • Disclosing your debt to friends, family, neighbors and/or business;
  • Contacting you after you have advised in writing not to be contacted further;
  • Accusing you of a crime or threatening arrest;
  • Falsely threatening to sue you, garnish your wages or other types of actions that cannot be legally taken; and
  • Failing to properly identify themselves as debt collectors calling regarding the collection of a debt.

Victim Of Harassment? This is What You Should Do

Call The Citizens’ Attorney for a FREE consultation.  If you have been the victim of debt collection harassment, you may receive:

  • Up to $1,000 in damages;
  • Removal of any negative information from your credit report;
  • Payment of all of your attorney’s fees and costs; and
  • Reduction or elimination of the debt

Once you are represented by The Citizens’ Attorney, we will contact the debt collector and STOP THE HARASSMENT IMMEDIATELY.

What Evidence Do I Need To Prove I’ve Been Harassed?

Debt collectors maintain records and so should you. As soon as you are contacted by a debt collector, you should do the following:

  • Keep a written or typed log of all calls received and note the date, time and number calling;
  • Take digital photos of your caller identification showing the calls from the debt collector, especially if the call is before 8:00 a.m. or after 9:00 p.m.; and
  • Save all letters, correspondence and voicemail messages received

If you are being harassed by debt collectors, call The Citizens’ Attorney immediately. We will stop the harassment, and our services are FREE to you because the debt collector is required to pay our attorney’s fees and costs.

Contact us today online or call 800-555-2989 to arrange a FREE consultation. We fight for you.