We Stop Collection Calls and Protect Your Rights
Kimmel & Silverman consumer attorneys stop debt collector harassment. Our dedicated team of experienced attorneys can protect you against abusive collection practices and get you money for damages.
A Dedicated Team of Attorneys
Our dedicated team of consumer protection attorneys have helped tens of thousands of consumers, providing free and low cost legal services since 1991. Learn How We Can Help You.
Know Your Rights
The Fair Debt Collections Practices Act (FDCPA) gives you the right to fight back. Debt collectors cannot:
- Call you if you've told them to stop calling
- Call you at work without your permission
- Call your friends or family about your debt or call more than once trying to locate you
- Use obscene language over the phone
- Threaten you or your property
- Be harassing or abusive
- No matter what a collector says to you, be polite and courteous but firm in your communications
- Ask if a call is being recorded, and if it is, tell them you do not consent to the call being recorded. If they refuse to stop recording, hang up the phone
- Do not confirm information such as social security numbers (or "last four"), address or other personal information, such as where you bank
- Tell collectors that you no longer want them to call you by telephone and that you consider it harassing. Then write down the name of the person you are speaking to, the time and date you told them to stop calling
- Write down all dates, times and collectors who call after you have told them to stop
- Keep track of every call, including collector name, company name, phone number on your caller ID when calls are received, time of day, day of the week and the debt they say they are calling about. and the names of agencies who call you
- If collectors have called family, friends, employers or co-workers, keep a list of those calls, names, dates and times
- Save copies of every letter or notice you receive in the mail
- If you receive a letter from the debt collector, reply in writing within 30 days of receipt, demanding validation of the debt and tell them you dispute pending your review of the validation documents provided. Send by certified mail and save the receipt, green card and a copy of your letter
Our experienced, skilled and knowledgeable consumer lawyers can help you with this process to stop debt collector harassment for good.
Contact us for a free case review.