Debt collection attorney’s can break the rules too.
How can I defend myself against an overzealous collection agency who has already violated my rights? Collection violations such as not not noticing me of my right to dispute or request validation upon first contact by mail. Not stating the correct alleged debt they are trying to collect on. Trying to collect 100 percent interest over the amount of the alleged debt of 500.00 dollars. Not telling me who they are upon my answering the collection phone calls.
Please help me.
Can a collection company sue me, or only the original creditor? What can I do if the collection agency has their attorney continue to send me letters?
What can I do if a debt collector that is an attorney continues to violate my rights?
—RICHARD
Who is the collection agency? Who is the attorney contacting you? Who was the original creditor? How long ago was the last payment you made on the account?
I would encourage you to locate an attorney who practices consumer law with a focus on Fair Debt Collection Practices Act (FDCPA) violations. If your rights have been violated, as the detail you provided suggests, you can learn more about your options.
Also, if you are being contacted by an attorney on behalf of a debt buyer, you may have options to defend against the suit. Here again, an experienced attorney will be able to assist you to the degree necessary.
You can go to www.consumeradvocates.org and do a search in your state to find a list of attorneys with the experience you need. Many offer no cost initial consults, so the price is right to get your bearings on where you go from here.
If you reply in the comment section with the state you live in and answers to my above questions, I may be able to assist you further and also recommend an attorney to you.
Anyone with concerns similar to Richards can post in the comments below for feedback.
About Michael BoveeMichael started CRN in 2004 with a mission to provide people in need with detailed debt and credit help and education. Michael has participated as an expert panelist in federal consumer protection rule making, collaborated on state law changes governing debt consolidation, has worked as an expert witness in court matters related to the debt relief industry, and is a regular contributor to several personal finance websites.
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