At DebtFreeSupport, we work in partnership with law firms across the United States to provide clients with expert guidance and effective legal solutions for achieving financial freedom.
Together with our legal partners, we act swiftly to alleviate the stress caused by harassing debt collectors. Whether you are dealing with calls about unpaid credit card bills, medical expenses, car payments, business debts, timeshares, private student loans, judgments, lawsuits, or other financial obligations, the first step is to send a notice of representation to the debt collectors, instructing them to communicate directly with your legal team—not you.
DebtFreeSupport, in collaboration with our partner law firms, is committed to protecting your rights and defending you against unfair debt collection practices. Our network of skilled attorneys, licensed across the United States, specializes in protecting clients from creditor abuse and handling cases involving violations of the Fair Credit Reporting Act (FCRA), the Fair Debt Collection Practices Act (FDCPA), the Telephone Consumer Protection Act (TCPA), and the Credit Card Act of 2009. For clients considering bankruptcy as a solution, our team ensures you are connected with experienced legal professionals to explore all available options.
If your credit report is being misreported or you are being harassed by debt collectors, DebtFreeSupport and our legal partners are here to provide the guidance and protection you need to move forward confidently.
We Stop Collector Harassment
When a debt collector is assigned to your account, it can feel overwhelming, especially if you're facing financial challenges. If you have concerns about the legitimacy of the collector or the accuracy of the debt, our attorneys can intervene to stop harassment.
The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from harassing, threatening, or using abusive tactics to collect debts. The recent Debt Collection Rule, effective from November 30, 2021, further regulates how debt collectors can communicate with you, including what information they must provide about your account and your rights.
Collector Violations
The FDCPA is a federal law designed to protect consumers from unethical debt collection practices. It applies to personal, family, and household debts, not business debts. Debt collectors must follow specific rules, including providing you with a validation notice, which contains details about the debt and your rights.
Collectors are prohibited from repeatedly calling or contacting you to harass, oppress, or abuse you. They must also respect restrictions on when and where they can contact you. For example, collectors cannot call you after 9 p.m. or before 8 a.m., and they must stop contacting you at work if you request it.
When can a collector report my accounts to a credit reporting agency?
Collectors must meet certain conditions before reporting your account to a credit reporting company. They must contact you, either by phone or by sending a letter, and wait a reasonable period (typically 14 days) before reporting the debt, unless you dispute the debt or request verification.
Can a harassing collector contact me on social media?
Debt collectors must follow specific rules when contacting you on social media. Messages must be private, and the collector must identify themselves as such. They must also provide a clear opt-out option for future communication.
Civil litigation
Civil litigation involves legal disputes between parties over money, property, or actions, without criminal charges. Common examples include personal injury cases, intellectual property disputes, and medical malpractice lawsuits. Civil litigation can involve numerous steps, including investigation, pleadings, discovery, pre-trial negotiations, and, if necessary, trial.
Business litigation
Business litigation covers a wide range of legal disputes, including breach of contract, employment issues, intellectual property conflicts, and fraud cases. A business litigation attorney can guide you through the complexities of commercial disputes to protect your business interests.
Bankruptcy
DebtFreeSupport provides basic information about bankruptcy, explaining the different chapters under which a bankruptcy case may be filed. Whether you're considering Chapter 7 liquidation, Chapter 11 reorganization, or another bankruptcy option, our attorneys can help you understand the process and determine the best course of action for your situation.
