Alabama Consumer Lawyers
Are you being hounded by debt collectors who are harassing you everywhere you go? Phones ringing off of the hook? Just because you owe money doesn’t mean collectors get to treat you like that, YOU HAVE RIGHTS! We will help stop the harassment and stop collectors from unfairly going after you at home, work, and in your community. Even before the Fair Debt Collection Practices Act (FDCPA) was enacted, our Alabama Consumer Lawyers have been suing collection companies, collectors, and creditors on behalf of Alabamians and stopping the nerve-racking intrusions into their homes and privacy caused by constantly calling, harassing, or threatening people to pay a debt. Now, the FDCPA, the Telephone Consumer Protection Act (TCPA), and various Alabama laws add to the arsenal created to prevent collectors from using these illegal collection practices and unfair tactics. We have years of experience standing up for Alabama’s citizens and suing creditors for unfair and deceptive debt collection practices. Creditors use any means they can to get you to pay, sometimes illegal ways and often unfair ways. We use every legal means available to us to stop them. Put our experience and resources to work for you.
Every case is unique so CONTACT US and begin restoring peace and quiet to your life. You can also call 205-322-1201 to speak to a consumer lawyer or to schedule a free consultation with Charles J. Lorant.
- I owe the debt. Do I simply have to live with their abuse until the debt is gone?
- How do I know if debt collectors are breaking the law?
- What happens if they are breaking the law?
I owe the debt. Do I simply have to live with their abuse until the debt is gone?
No. Debt collectors cannot do whatever they want to frighten or squeeze money out of you, even if you owe the debt. They must follow federal laws such as the Fair Debt Collection Practices Act (FDCPA) and the Telephone Collection Practices Act (TCPA). They cannot harass you, hound you, or call you constantly. They can’t contact an employer, friend, neighbor, or other family members. They cannot continue reporting inaccurate information to squeeze you into paying. The list goes on and on. The laws were created to prevent collection harassment and to protect you! If you need our experience protecting our clients and taking on the credit industry, CONTACT US or call 205-322-1201 to speak to our consumer lawyers or schedule a free consultation with Charles J. Lorant.
How do I know if debt collectors are breaking the law?
The lost of things a debt collector cannot do is extensive. Some are clear, such as a collector cannot call your neighbors or employers. Some are obscure such as the creditor cannot threaten to do something they cannot do or do not really intend to do. Even more complicated is the combination of collection tactics used in their calls and letters add up to a case that otherwise will not appear illegal or deceptive to the untrained consumer. If you think a collector’s or creditor’s conduct might be unfair, rude, or seems questionable, complete this form. You can also call 205-322-1201 to speak to a lawyer about debtors rights and the collection practices you are experiencing.
What happens if the debt collectors are breaking the law?
If the debt collector is using unfair and illegal tactics to try and get you to pay a debt, that could mean they have to pay you money. They may also be required to clean up any bad credit history they reported. Under The Fair Debt Collection Practices Act, lawyers fees can be paid for by the debt collector even if you owed the debt or did not suffer any financial loss. All of this is on top of getting back to a peaceful life without the harassment. Remember, the consumer protection laws are designed to help you. Put those laws to work for you! Complete the contact form or call 205-322-1201 to speak to a lawyer.
