Tuesday, April 28, 2009

Have you been Harassed or Mistreated by a Debt Collector in the Past One or Two Years?

If so, you may have an action under the Fair Debt Collection Practices Act or the Florida Consumer Collection Practices Act.

The Act prohibits Debt Collectors from:

• Not telling you during the first call, or in the first letter, that they are debt collectors attempting to collect a debt and that any information obtained will be used for that purpose
• Refusing to identify themselves or their employer on the phone
• Calling you constantly
• Calling you between 9 p.m. and 8 a.m.
• Swearing at you or insulting you on the phone
• Leaving you abusive phone messages or phone messages that refer to your debt
• Calling, or threatening to call, your neighbors, friends, or employers and telling them about your debt
• Calling you at work after you have told them not to call you at work
• Threatening you with lawsuits, garnishment of wages, liens on property, or arrest for not paying a bill

If you have suffered from any of these abusive collection practices, you may be entitled to compensation.

Compensation

As a consumer, you are entitled to file a lawsuit against any debt collector who violates your rights under the Fair Debt Collection Practices Act. The Act allows a consumer to recover statutory damages of up to $1,000, actual damages, and attorneys’ fees and costs. There is a similar provision under Florida law.

Additional Information

If you would like additional information regarding your rights under the Act, please click on the following link for Against Bill Collectors’ website: http://www.againstbillcollectors.com. If you would like your case evaluated, you can contact Against Bill Collectors toll free at 866.553.3272 or againstbillcollectors@saxongilmore.com.

Friday, April 17, 2009

Free Webinar

Consumer Lawyer Michael Rosen will be hosting a free webinar on Thursday, April 30, at 1:00 ET. The topic will be "Stop Debt Collector Harassment". Items discussed will include how you can protect yourself from illegal debt collection tactics and a discussion about Florida and Federal Laws on the subject.

To register for the event, please send an email to againstbillcollectors@saxongilmore.com to let us know and instructions will be sent to you.

Friday, April 3, 2009

Are you being harassed by debt collectors or bill collectors for past due medical bills? Have you received proof that you actually owe these bills? Under HIPAA, patients have a right to access information which also can be used to verify the validity of a person's medical debt. You should send a certified letter to the collection agency requesting a detailed itemized statement, UB-04 coding abstract for hospital debts or CMS-1500 detailed statement for insurance provider debts.

The Fair Debt Collection Practices Act states that you have the right to demand that the debt collector stop further contact until these documents are produced. The debt collector may not be able to produce these documents.

Contact us for assistance in understanding your rights.