A debt collector who abuses you for the collection of a consumer debt can be sued under a law called the Fair Debt Collection Practices Act (FDCPA). Debt collectors cannot:
Threaten you with lawsuits, wage garnishment, liens, or arrest
Call your neighbors, friends, or employer about your debts or ask them to give you messages
Yell, swear at, insult, or otherwise disrespect you on the phone
Call you at your work after telling them to stop
Credit Card Lawsuit Defense
Nearly all consumers that are sued for credit card debts do not appear in court and lose by default. But if you have an experienced consumer rights attorney in your side you will prevail more times than not! Common weaknesses in the debt collector’s case are:
Creditor doesn’t have a contract that you signed
Creditor can’t prove they actually own the debt
Creditor doesn’t have proof of your purchases
Federally Guaranteed Student Loans
Before a Debt Collector can collect a defaulted federally guaranteed student loan, you can request and they must offer you help in paying the debt! You Can Sue the Debt Collector that refuses you:
A “reasonable and affordable” payment over12 consecutive based on your documented ability to pay, not an amount the collector tells you to pay
A written agreement confirming the payment terms and advising you of your rights
Federally required notice (minimum of 30 days) prior to any garnishment of your wages proceedings, stating the intent to garnish, amount of the debt, percentage to be collected from wages, and your rights under the law
Opportunity to inspect and copy records relating to your debt
Defend Your Rights!
We defend you for very little, and perhaps FREE, and our success rate is excellent.
REQUEST A FREE CONSULTATION
Request a Free & Confidential Attorney Consultation.
Debt collectors harassed me multiple times a day at all hours...
"Mr. Cocco did an amazing job with my case, I had debt collectors harassing me multiple times a day at all hours. Not only did he make sure that all of this stopped, he was amazing at keeping me updated with any news on the case. I highly recommend Robert to anyone having trouble with harassment from collectors."
A very knowledgeable lawyer that fights for his clients rights...
"Robert Cocco handled a FDCPA case for me in 2014. I found Robert through an online search. When I called him, he set up a meeting to go over my case. I went to his office, explained my issue to him and he let me know my rights as a consumer. He asked me to provide him with certain information and I did. He handled everything from there. Robert kept me informed with any updates related to my case and answered any questions that I might have had. He gave me suggestions and left the decisions up to me. He is a very knowledgeable lawyer that fights for his clients rights. I really appreciated the quick favorable settlement of my case that Robert provided. I would recommend Robert to anyone who is looking for a lawyer to handle their consumer law case. Thanks Robert for your help!"