Debt Collection Abuse Attorneys Fight for Your Rights in Towson, MD
Protecting you against illegal tactics in Baltimore County for more than 10 years
In today’s economy, it’s getting harder and harder to make ends meet. If you fall behind on your bills, the last thing you need is to be constantly harassed and threatened by debt collectors. At Williams & Santoni, LLP, we understand your needs and are committed to providing the best representation to help you get the results you need to move on without the burden of illegal debt collection practices following you.
What is the Federal Fair Debt Collection Practices Act?
Debt collections have increased exponentially over the past several years. MSN Money reported that roughly $110 billion in old debts was sold by creditors to debt collection agencies. The Federal Fair Debt Collection Practices Act was enacted to set limits on how debt collectors generally can behave and to protect consumer privacy. Under this law, debt collectors are only allowed to call you between the hours of 8 a.m. and 9 p.m. Collectors usually are not allowed to contact you at work, and they are prohibited from using abusive or threatening language. They cannot threaten to have you arrested or destroy your reputation. In general creditors are also subject to a three-year statute of limitations to file a lawsuit for debt collection.
What can I do if I have been the victim of illegal debt collection practices?
Both Federal and Maryland law allows you to hold debt collectors and agencies responsible for their illegal actions and fraudulent billings. You may be entitled to recover damages and legal and attorney fees. There are several things you can do to make it easier to dispute debts or hold collection agencies responsible for their actions, including:
- Keep accurate records of when you receive calls.
- Get as much information about who is calling you, such as the person’s name and contact information.
- Provide written notice of your intent to dispute a debt to the collection agency as soon as possible.
- Do not provide any personal information, such as your Social Security number or banking information.
- Keep accurate, written records of all payments you make if you are attempting to pay off any debts.
Only a reputable and knowledgeable attorney can give you sound legal advice about how to deal with illegal debt collection practices. Our firm is dedicated to helping you when you are at your most vulnerable.
Contact a Baltimore area debt collection abuse law firm to get the help you need
Williams & Santoni, LLP has powerful legal resources available to guide you in a debt collection matter. We can meet with you on evenings and weekends. Our office is located in Towson and has access to street parking and public transportation. Call us at 443.608.5681 or contact us online to discuss your case.