Stop Debt Collection
The Meyrat Law Firm in San Antonio and throughout Texas will help you stop debt collection harassment and restore your life back to normal.
Does this sound familiar? Because of harassing debt collection calls in the past, you refuse to answer calls identified as out-of-area code. Sometimes you’ll miss valuable calls from friends, relatives, and job opportunities. But every once in a while you think it’s safe to pick-up the phone, only to quickly learn it’s actually that debt collector you were avoiding. Instantly that sinking feeling sets in. Your stress level sharply increases and you feel unhappy, nauseous, nervous, and hopeless.
Experiences such as this are very common. Fortunately, there are laws to protect consumers from abusive debt collection phone calls. But collection companies ignore the laws as they abuse consumers in the effort of shaking them down for money. You can try to write letters or make phone calls telling them to stop it, but most of the times your requests are not taken seriously unless you hire an attorney.
The Meyrat Law Firm Stops Debt Collections
The Meyrat Law Firm is a specialized law practice that protects consumers based in San Antonio, Texas. When litigating debt collection harassment cases, consumer rights lawyers will do the following things:
- Send a letter requesting the creditor stop all communication with you
- Ask the creditor to provide proof that the debt is valid
- File a lawsuit against the creditor under Fair Debt Collections Practices Act
- Keep track of collector phone calls, letters, emails or text messages
- Gain access to phone records to prove that a creditor has been harassing a debtor
- Determine whether a creditor has used abusive collection practices in the past
File a lawsuit under The Fair Debt Collection Practices Act (FDCPA) and Stop Debt Collection
Fight back against debt collection harassment by filing a lawsuit under The Fair Debt Collection Practices Act (FDCPA).
The Fair Debt Collection Practices Act (FDCPA) provides consumers with legal protection from abusive debt collection practices by third party debt collectors. Debt collectors are allowed to contact you to collect a debt as long as they treat you fairly, with dignity, and respect. They cannot lie to you, threaten you, or harass you in the effort of collecting a debt. The law provides for compensation for you when the debt collectors have crossed the line and violated the law.
If you think a debt collector might have broken the law, contact the Meyrat Law Firm for a free case evaluation. If you’ve got a valid case of debt collection harassment, then consumer rights lawyers at the Meyrat Law firm will represent you for free.
The requirements of a FDCPA case are the following:
1. Statute of Limitation – The violation must have occurred no less than one year from the date of filing a lawsuit.
2. A Debt – defined as an obligation of a consumer to pay money out of a transaction primarily for personal, family, or household purposes.
3. Debt Collectors – the debt harassment violation must be committed by a debt collector and not a creditor. A debt collector is regularly collects or attempts to collect debts owed or due.
4. A Debt Collection Violation FDCPA provides a laundry list of violations. If a collector has committed at least one violation, then they broke the law and the debt collector must pay you money. There are about 42 violations. Here are ten common violations:
- Attempt to collect more debt than what is actually owed.
- Call you at work.
- Call you early in the morning or late at night.
- Call your friends, neighbors and co-workers.
- Harass you, intimidate you, lie to you or use obscene language.
- Make anonymous calls or use false names.
- Threaten you with lawsuits if doing so would be illegal or if they don’t intend to take the action
- Threaten to have you arrested if you don’t pay your debt;
- Threaten to garnish wages
- Use social media sites such as Facebook, Twitter and LinkedIn to harass you.
- Failure to send the consumer a written verification of the debt after a timely request was made
- Debt collectors may not lie when they are trying to collect a debt. For example, they may not:
- falsely claim that they are attorneys or government representatives;
- falsely represent that they operate or work for a credit reporting company;
- misrepresent the amount you owe;
- indicate that papers they send you are legal forms if they aren’t; or
- indicate that papers they send to you aren’t legal forms if they are.
If you don’t see what happened to you on this list, but you still feel you were unfairly abused and disrespected by a collector, chances are it may still be a violation. Call the Meyrat Law Firm today for a free case evaluation.
Debt Collectors Pay You Compensation
If a lawsuit is successful, you can recover up to $1,000 in statutory damages. In addition, you may also recover your actual damages if you can show evidence of economic, medical, or mental distress damages.
Free Legal Representation
The Meyrat Law Firm will give you free representation when it takes your debt collection harassment case. You will never pay the firm money, not even for filing fees, a postage stamp, or a photocopy. The Meyrat Law Firm works on a contingency fee basis for FDCPA cases, meaning our consumer rights lawyers are incentivized to win in order to make money for you and the Meyrat Law Firm. In some cases attorneys can negotiate to get the 100% of the underlying debt completely wiped out as part of a settlement.
Are you a victim of unfair debt collection practices? File a lawsuit today.
It’s important to know that you can, and should, fight back. The Meyrat Law Firm knows first-hand the unethical practices some creditors use to collect debts. James Meyrat fights debt collectors for consumers just like you and can make bill collectors to stop making harassing phone calls once and for all.
Get help today from the Meyrat Law Firm. We can review your case and determine whether you have a claim for damages under the Fair Debt Collection Protection Act. Call 210-735-9911 for a free case evaluation.
The Meyrat Law Firm defends clients’ consumer rights in the metro areas of San Antonio, New Braunfels, San Marcos, Austin, Waco, Temple, Del Rio, El Paso, Dallas, Fort Worth, Tyler, Lubbock, Amarillo, Abilene, Wichita Falls, and Beaumont.