Use The Law to Stop Harassing Debt Collection Practices

The Law Office of Gesund & Pailet, LLC represents you against debt collectors, credit reporting agencies, and credit repair organizations for violations of various federal statutes. Our service is usually at no charge to you. Contact us now for a free evaluation.

In today’s economy many people suffer from economic hardship. Good, honest people fall behind in payments and are pursued by debt collectors. While debt collectors are entitled to collect amounts past due, they are required to do so lawfully. Due to numerous instances of collector abuse and misconduct, Congress enacted federal statutes like the Fair Debt Collection Practices Act to protect consumers.
Please don’t think owing a debt means you need to suffer abusive collection actions.

Errors on your Credit Report
Every person is entitled to one free credit report a year at annualcreditreport.com or you can call 1-877-322-8228.  The Fair Credit Reporting Act (“FCRA”) regulates credit reporting agencies and those organizations that furnish credit information, such as creditors and debt collectors. These entities are called furnishers of information. Disputing inaccuracies on your credit report begins […]

Errors on your Credit Card or Bank Card Statements
The Fair Credit Billing Act (“FCBA”) provides a consumer the right and ability to dispute errors on their credit card or bank statements.  The dispute occurs, by definition, before the debt is placed with a debt collection company. If you notice an improper charge on your credit card or bank statement, you have 60 days […]

Step 1: Disputing the Debt
Pursuant to the Fair Debt Collection Practices Act (“FDCPA”), a debt collector is required to send (within 5 days of its initial communication with the consumer) written notice to the consumer notifying the consumer of the debt and the consumer’s ability to dispute owing, and request validation of, the debt.  Section 1692g(a) of the FDCPA specifies that the […]

When Debt Collectors Call
If you’re being harassed by debt collectors there a few things you should do: 1.  As soon as you receive the debt collection company’s initial notice (a letter from the debt collection company which is required to notify the consumer that the consumer has 30 days to dispute the debt), dispute the debt.  Oftentimes debt […]

When Debt Collectors Sue
Debt collectors have multiple means of collecting debt.  Two primary forms are judicial and non-judicial collections.  Judicial collections refers to collections involving the legal system, such as wage garnishment or debt collection lawsuits.  Non judicial collections refers to phone calls or letters sent by the debt collection company. There’s been a surge in judicial collections; notably lawsuits.   Debt collection companies receive bulk portfolios of debt containing thousands of accounts, then […]

Your Rights Under the FDCPA
Did you know: 1. The Fair Debt Collection Practices Act (“FDCPA”) was enacted because congress found “abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors,” and wanted to institute an act to help disadvantaged consumers. 15 USC 1692. 2. Within 5 days of their initial communication with you, a debt collector […]