How Far Is Too Far?
Have you ever been behind on a bill? Has a debt collector recently reached out to you, been too pushy, or violated your privacy? We are here to inform you of your rights as well as assist in getting this matter taken care of at zero cost to you.
First, you need to understand some basics of what is and is not allowed. The first place to look for this information is the Fair Debt Collection Practices Act. Here are a few guidelines to start:
Debt collectors are allowed to:
- Send a collection letter detailing the debt and terms
- However, our firm is reviewing these letters, free of charge, to ensure that your rights are being protected. See below for further instructions.
- Call you between the hours of 8am – 9pm
- Contact your family to obtain contact information of the debtor
Debt collectors are not allowed to:
- Harass you via telephone or in person visits
- Inform your family and friends of specific information about the debt in order to gain specific information
How can B&C help?
Last year alone there were 85,000 complaints of debt collectors either violating the “Fair Debt Collection Practices Act” or disobeying guidelines that debtors have given them. For example, you are allowed to tell them not to contact you at work or indicate that you only want to be contacted via direct mail. If they violate these wishes, you are in luck. We are working in conjunction with a partner law firm who directly concentrates on violations of the FDCPA.
Brown and Crouppen has an exclusive offer that is free of charge for you to use. If you have received any collection letter in the past year, whether you owe the debt or not, please take these steps below:
- Take a picture of your collection letter
- Email it to Edh@getbc.com
- Put “Collection Letter” in the subject line
- In the body, give a brief description of your situation
The good news is, if a debt collector has violated the law in any way, each violation could mean up to $1,000 in your pocket. Additionally, many of the debts deemed in violation are wiped completely. In addition, you will owe the law firm nothing. When you reach out to us via the instructions above, we will be honest in giving feedback as to whether or not there is a direct violation of your rights.
As always, Brown and Crouppen offers free consultations on these matters. If you have any questions, please shoot us an email!
In addition, please feel free to watch our discussion on this topic below: