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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.

Handling Your Creditors

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

  • Anonymous calls from bill collectors.
  • Collection calls early in the morning or late at night (before 8 A.M. or after 9 P.M.)
  • Calls at work by collection agents (or attorneys), particularly after being told to desist
  • Harassment, intimidation, use of obscenities, or lies by collectors or attorneys
  • Threats of any action that is not taken or intended to be taken
  • Communications (or threats of same) to friends, family, neighbors, or co-workers

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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The DiGiulio Law Firm, LLC. Copyright © 2000 - 2013, All rights reserved
The information you're reading is for general information purposes only. Nothing on this or associated pages, documents, comments, answers, emails, or other communications should be taken as legal advice for any individual case or situation. Viewing the general information here does not constitute an attorney-client relationship. Thank You. Please contact 770-309-9551 for additional questions or to schedule for your free phone consultation. We are a federal debt relief agency. One of our areas of practice is to help people file for bankruptcy relief and protection under the U.S. Bankruptcy Code.

The DiGiulio Law Firm, Headquarters, 2985 Gordy Parkway, Ste 108, Marietta GA, 30066
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Sueing A Creditor

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