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Consumer Class Action Lawsuits
- Do Fall River Residents Billed By MassDOT for Railroad Use Owe the State?
- What is a lawsuit?
- Overdraft Fee Class Actions Help Consumers
- Bank Overdraft Fees in Massachusetts Will Not Stop with New Opt-in Rules
- Nevada Homeowners Sue Bank of America; Seek Class Action Status
- Bank of America Settles Mortgage Fee Case with FTC for $108 Million
- Toyota Allegedly Sought to Discredit Witnesses
- Toyota Financial Services Remains in Toyota Recall Lawsuit
- Toyota Financial Services Credit Rating Cut by Moody's
- Toyota Motor Credit Corp Added to Class Action by Massachusetts Couple
News
- Posted on 6/9/2011Employee Collects Triple Damages After Boston Business Violates Wage Law
- Posted on 3/12/20102000-2003 Toyota Tundra Recall Is Now Nationwide
- Posted on 3/3/2010Toyota Didn’t Properly Investigate Death Involving Acceleration Issue
- Posted on 3/2/2010Medford Man Sues Toyota After Wife Dies in Single-Car Accident
- Posted on 2/26/2010Credit Card Companies Can Still Profit Off Of Unsuspecting Consumers
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Testimonials
- "I sent this letter certified after receiving the free guide [from] Phillips & Garcia P.C. Saved Foreclosure. Thanks a million!" A.D. from Colorado
- After seeing first hand what you are up against concerning the big banking companies, we are even more amazed that you are willing to fight the fight. The little guy needs your help and your fearless attitude. You are good people and true Americans. We are honored to be called your friends. R.R. - Mich., Lockout & Trashout Victim
- The attorneys were very professional and I felt as though they always had my best interest in mind. Without them I would have been pushed around and just another number to the bank. N.L., Wrongful Lockout Victim
- Thank you Mr. Phillips. If we hadn't found you the [Bank] would have foreclosed on our property and I can't imagine the misery that they would have caused. S.N. - Arizona
Fighting False Debt (Part A)
We all have enough trouble trying to manage the debt in our lives, but it adds insult to injury if you are being harassed by a collection agency over a debt you had absolutely nothing to do with. Sadly, many Americans are victimized by false debt claims each year.
What is False Debt?
False debt is just like it sounds: A debt that you didn't incur, but someone else thinks you did. This phenomenon occurs more often than you would think. When it does, the victims commonly receive menacing phone calls and letters from bill collectors, and even threats of litigation concerning debts that are not theirs.
Some examples of false debt situations include debts amassed by:
- An individual with the same (or similar) name as you
- A company with the same (or similar) name as your business
- Someone who has stolen your identity
The most important thing to remember about false debt is that you should not feel intimidated by debt collection agencies who may be demanding that you pay up. These agencies commonly use threats, coercion, and intimidation to collect outstanding debts. There's no reason to feel any pressure to give in to their demands if you are not responsible for the debt in question.
Know Your Rights
The best defense against debt collection agencies which are pestering you over false debt is a thorough knowledge of your rights. These rights are guaranteed under the Fair Debt Collection Practices Act, which sets out regulations that collection agencies must adhere to when pursuing claims.
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Contact Information
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