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The DiGiulio Law Firm, LLC.
Representing your future
Debt Relief Attorneys to Protect Your Rights
whether you are being pursued by debt collectors, dealing with problems with your credit report, or trying to find a long-term debt relief solution, you have rights, and we have been helping people with debt problems for over 11 years. We work to protect the rights of consumers while working toward a longer-term debt relief solution.
No one can totally eliminate creditor harassment, but hiring an attorney is the most powerfull action you can take. Although the Fair Debt Collection Practices Act (FDCPA) prohibits abusive, deceptive, and otherwise improper collection practices by third-party collectors, this law is frequently violated. Moreover, creditors are generally exempt when they are collecting their own debts.
The Federal Trade Commission (FTC) has an ongoing effort to curtail abusive, deceptive, and unfair debt collection practices, which have been known to cause various forms of consumer injury, including emotional distress, invasions of privacy, and the payment of amounts that are not owed, severely hampering consumers' ability to function effectively at work, and placing consumers deeper in debt.
What is the Fair Debt Collection Practices Act?
Placed into practice in 1978, the FDCPA or the Fair Debt Collection Practices Act is a federal law designed to protect the rights of the consumer from abusive and unfair debt collecting practices.
The law regulates what collection agencies can or cannot do when collecting a personal debt from a consumer.
It defines strict guidelines under which collection agencies must abide by when conducting business including who the collection agency may contact, where they may call, and how often or what times.
We Stop Debt Collector Harrassment
What is the Fair Credit Reporting Act?
The Fair Credit Reporting Act, also known as the FCRA, was placed into effect in 1970. This federal law enforces and regulates the collection, distribution, and usage of consumer information. The law ensures that companies and businesses report accurate information about their consumers to Credit Bureaus. Information that can be used for credit evaluation and certain other purposes such as employment.
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Sueing A Creditor