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We also represent people who get calls and texts on their cellphones from companies who use automatic dialing equipment or artificial or prerecorded voices. We sue these companies on your behalf under federal and state laws. You pay us nothing to protect your rights. We only get paid when we win your case for you. Depending on the facts of your case, we can help you stop the harassing calls, get money damages, and get your debt erased. We have a debt harassment attorney dedicated to representing consumers in Florida and California. Call us today if you get calls or letters from debt collectors. We will tell you if you have a case. Help you stop the calls.

Read on to learn more about consumer protection laws. Some of the common ways that debt collectors break these laws. We want to be your debt harassment lawyer! The FDCPA protects consumers against various forms of harassment that debt collectors often engage in. When a debt collector commits one of these acts, the consumer can sue them for damages and to stop the harassment. The compensation the consumer can recover includes up to $1,000 in statutory damages, additional money damages if the harassment caused emotional or physical distress, and attorney's fees. One illegal act of debt collection behavior is enough for the consumer to win the lawsuit. More Information. The TCPA protects you from being called on your cellphone by debt collectors. Companies who use an autodialing machine or an artificial or prerecorded voice. These companies can only make these calls if you have given them consent to call you. The fine for each call is at least $500 and as much as $1,500. These fines are added together for large damage awards. When debt collectors and robodialers break this law with impunity, we pursue your rights to compensation. Take note, this law also applies to so called "wrong-number" calls. If you get robocalls or debt collection calls on your phone for someone other than yourself, we can help you recover these fines for each wrongful call. This is a Florida law that expands some of the protections of the FDCPA in Florida. The FCCPA extends consumer protection against the original creditors who lent the money, not just against debt collectors. The Florida consumer can recover damages under both the FDCPA and the FCCPA. This is a California law that expands the scope of the FDCPA for consumers in California. The protection extends against the original creditor. The California consumer can recover damages under both the FDCPA and the CFDCPA.

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Usually, the complaint will contain a list of concise and numbered paragraphs, each of which contains a single allegation. The body of you answer form should contain a similar, numbered list of paragraphs, each corresponding to a numbered paragraph in the complaint. Under the rules of most courts, if you fail to deny any allegation, it is "deemed" admitted. Therefore, it is important that you carefully read and respond to each paragraph of the complaint. The body of your Answer should also include your affirmative defenses, which may include statute of limitations (in other words, the debt collector waited too long) and lack of legal standing (the debt collector is not the party with a valid legal interest in the debt).

Once a debt collector obtains a default judgment, the judgment will earn interest every year (for example, 9% in California; 10% in California), and it will haunt debtors for years. In actuality, you don't need to have a lawyer to defend against a debt collection lawsuit. Even without a lawyer (i.e., representing yourself), you have a good chance of having your debt cancelled (or at least substantially reduced) merely by responding to the lawsuit (i.e., filing an answer with the court). During the past five years, the steady flow of state court debt collection lawsuits has turned into a flood.

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