You have rights…exercise them!
Far too often creditors or debt collectors, and the attorneys that represent them, engage in abusive and illegal actions such as harassment, invalid credit reporting, suing after the statute of limitations has run, making improper threats, incorrect billing, failing to give required notices, and various other violations of the Fair Debt Collections Practices Act (FDCPA), the Oregon Unfair Debt Collection Practices Act (OUDCPA), the Telephone Consumer Protection Act (TCPA), Oregon Unlawful Trade Practices Act (UTPA), or other state and federal laws that regulate creditors/debt collectors and provide protections for consumers.
I represent people who have been wronged as a result of these violations. Below is a list of some relevant questions. If you answer yes to any of them, you may have an actionable claim to enforce your rights and seek damages from the violator in court.
- Has a debt collector contacted you at work after you asked them not to?
- Did a debt collector inform a family member, roommate, employer, or coworker that you owe a debt?
- Is a debt collector trying to collect, or sue you for, a debt that is not yours, or that you have already paid in full?
- Are you being sued for a debt that is older than 6 years (since last use of credit, payment, or default)?
- Has a debt collector used abusive, profane, or intimidating language with you?
- Has a debt collector threatened that you may be arrested or go to jail if you do not pay your debt?
- The very first time you received a letter from a debt collector that purchased your debt from the original creditor, or an attorney or a law firm, did the letter include a notice that you had 30 days to dispute the debt and ask for verification of the alleged debt?
- Have you been the victim of identity theft?
- Does your credit report list debts that are not yours?
- Is a debt collector calling you before 8 am or after 9 pm?
- Are you receiving auto-dialed calls or pre-recorded messages to your cell phone by companies that you did not give express consent to call you?
If you think your rights have been violated, need more information, or just have some questions, please contact me at 503-847-4329 for a free phone consultation.
For more information about federal consumer protection laws I suggest checking out the Federal Trade Commission’s website or the Consumer Financial Protection Bureau’s website. For more information about Oregon’s consumer protection laws I suggest checking out the Oregon Department of Justice Consumer Protection website.
Any information on this website is provided as a courtesy for basic informational purposes only. It is not intended to be a comprehensive or an accurate statement of the relevant laws.