Are you being harassed by Debt Collectors?
If you get that sinking feeling in your gut every time the phone rings, you may be experiencing an emotional reaction to harassing debt collection calls. Some debt collectors even use technology to block or spoof their caller ID, so you may not know it is a debt collection call. It is against the law for debt collectors to harass a consumer, under the federal Fair Debt Collection Practices Act and the Rosenthal Fair Debt Collection Practices Act, which prohibit debt collector abuse, annoyance, and deception. It does not matter if you really owe the debt, debt collectors cannot abuse, annoy, or deceive a consumer debtor, even on credit card debt or to collect on a motor vehicle installment contract, after repossession. If the debt collector violated your legal rights, you would be entitled to an award of monetary damages and recover your attorney’s fees from the harassing collection agency.
Collection Harassment is Illegal
Attorney Robert Stempler has over 19 years of litigation experience in California Superior Court and U.S. District Court, and has helped many victims of collection harassment, identity theft, car dealership fraud, deceptive billing statements, and false credit reporting. Mr. Stempler has represented consumers in civil cases of debt collection harassment, identity theft, vehicle repossession, car dealer fraud, door-to-door sales, and all forms of debts (including credit cards, home repair contracts, dental and medical bills, and disputed billings).
This site is intended to assist and educate California consumers by providing FREE Sample legal letters. When used properly, many debt collectors will stop their annoyance and harassment immediately. If they do not stop, proper use of the sample letters will give the consumer an advantage in court, if a civil case is pursued for collection harassment. Don’t delay or wait for the phone to ring again. Click now for a FREE e-consultation, without obligation.
Top 3 Debt Collection Violations
- Excessive and annoying phone calls
- Threatening legal action on a time-barred debt.
- Collection calls to the consumer’s workplace, after being informed that the employer prohibits personal calls.
Fees and costs
In California, the attorney-client relationship begins with the client and lawyer signing a written contract which states what the attorney will do for the client and how and when any fees and costs will be due and payable. There is no fee for a free consultation with Mr. Stempler. In many of the cases handled by Mr. Stempler, the fees and costs are not due until the completion of the case, after the other side (often referred to as the defendants) has paid a approved settlement amount or paid the judgment. This is known as a contingency fee agreement, as the fee would be contingent on receiving a recovery from the other side. In a contingency fee case, no payment is due and the fees and costs are deducted at the end from the amounts recovered from the other side, with the remainder going to the client. If there is no recovery under a contingency fee case, then there would be no fee due. Mr. Stempler also handles cases in which the fees and costs are due in advance, such as for collection lawsuit defense or helping to settle a civil money judgment against the client. Please contact this office for specific information on your case.