Practice Areas

Blog

News

Library

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

View All

How to Handle Illegal Debt Collection Practices (Part B)

If you suspect that a creditor is violating the law by using illegal debt collection practices against you, you can review the FDCPA regulations on fair debt collection to see if you recognize any of the tactics that you have been subject to.

Illegal debt collection methods under the FDCPA include:

• Failure to cease communication upon request, other than litigation
• Seeking unjustified amounts
• Threatening arrest or legal action which isn't permitted or actually considered
• The use of abusive or profane language
• Communicating with consumers at their place of employment after being otherwise advised by the employer to cease said communication
• Revealing or discussing the nature of your debts with third parties
• Contacting a consumer known to be represented by an attorney

How To Handle Illegal Debt Collection Practices

The first thing to do if a creditor is harassing you is to politely ask them to stop. You must do this in writing, with a letter stating that you want them to refrain from contacting you. This should end all communications between you and your creditor, so that if they want to pursue their claim they will have to take the proper legal actions. Remember to save several copies of this document for your own files.

What If The Collection Agencies or Creditors Keep Harassing You?

The passage of the FDCPA was designed to afford legal protections to credit consumers. If a creditor or collection company is contacting you beyond their legal right, you are entitled to defend yourself through litigation.

A debt collection class action lawsuit is one of the methods of protecting yourself against unethical creditors. If using illegal debt collection practices is a companywide procedure, a number of individuals will likely come forward with similar complaints.

The Massachusetts personal injury attorneys at Phillips & Garcia will fight for your rights in your debt collection class action case. We are committed to protecting your best interests and helping you collect the damages you need and deserve to move on with your life. If you have been the victim of illegal debt collection practices, contact Phillips & Garcia today to schedule your FREE legal consultation - (877) 892-5620.

Contact Information

Free Book

FAQs