Dealing with Abusive Debt Collectors? We’ve Got Your Back 🚫💰
Debt Collectors Harassing You? Know Your Rights
Being hounded by aggressive debt collectors can feel like a nightmare; with constant calls, letters, and threats leaving you feeling stressed and overwhelmed. But don’t worry, you‘ve got rights – and we’re here to protect them.At Spodek Law Group, we’re experts at shutting down abusive debt collection practices. Our top-notch federal lawyers have over 50 years of combined experience taking on shady debt collectors and agencies that overstep their bounds.We get it, owing money sucks – but that doesn’t give them the green light to harass you 24/7. The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from using abusive, deceptive, or unfair practices when trying to collect a debt. And we’ll make sure they play by the rules.
Common Illegal Debt Collection Tactics
Debt collectors have a bad rap for a reason – many resort to some seriously sketchy (and illegal) tactics to try and squeeze money out of consumers. Here are some common red flags that a debt collector has crossed the line:
-- Calling you before 8am or after 9pm
- Contacting you at work after being told not to
- Using profane, abusive, or threatening language
- Lying about the amount you owe or their authority
- Threatening legal action they can’t actually take
- Failing to identify themselves as debt collectors
If any of those sound familiar, it’s time to lawyer up. The FDCPA protects consumers from harassment and abuse – but enforcing those protections often requires taking legal action.
We’ll Be Your Relentless Advocates
Don’t let shady debt collectors walk all over your rights. At Spodek Law Group, we’re passionate about standing up for consumers and holding these abusive agencies accountable.Our top-rated federal lawyers will be your fearless advocates, aggressively pursuing violations of the FDCPA and state debt collection laws. We’ve taken on countless debt collector harassment cases and won big for our clients.Just check out this recent $300k settlement we secured against an abusive debt collector that repeatedly violated the FDCPA. Or this massive $49 million verdict against a major debt buyer that relied on deceptive robocall tactics.When you’re represented by Spodek Law Group, debt collectors are put on notice – harass our client, and you‘ll be hit with serious legal consequences. We don’t back down until the abuse stops and you’re fully compensated.
What to Expect Working With Us
Hiring a debt collection harassment lawyer may seem intimidating, but we make the process as stress-free as possible:
- Free Consultation – We start with a free, no-obligation case review where you can explain your situation and we’ll advise if you have a viable claim.
- Evidence Gathering – If we take your case, we’ll have you document all communications and compile evidence of the harassment.
- Demand Letter – We’ll send the debt collector a cease and desist letter, demanding they stop the illegal conduct immediately.
- Negotiation or Litigation – If they refuse to comply, we’ll either negotiate a settlement or take them to court to recover maximum damages.
Throughout it all, our team will guide you every step of the way, answering any questions and ensuring you understand your rights and options. We treat every client like family.
-Why Choose Spodek Law Group?
So what makes us different from other debt collection law firms? A few key things:
🌟 Proven Track Record – With over 50 years of combined federal litigation experience, we’ve secured countless six and seven-figure verdicts and settlements for clients nationwide. Debt collectors know we mean business.
💰 Affordable Fees – Unlike many firms, we offer flexible payment plans and reasonable fees to make top-tier representation accessible to all. We’ll never let legal costs be a barrier.
🕰 24/7 Availability – We understand dealing with debt collectors is stressful. That‘s why we’re available 24/7 to answer questions and provide the support you need, when you need it.
🔒 Cutting-Edge Security – Our fully digital client portal allows you to securely upload documents, track case progress, and communicate with our team. It’s convenient and protects your privacy.If you‘re being harassed or abused by unscrupulous debt collectors, don‘t suffer in silence. The consumer protection experts at Spodek Law Group are here to be your fearless advocates and champions for justice. Reach out today for a free, confidential consultation.
-The Fair Debt Collection Practices Act Protects Your Rights
Dealing with debt is hard enough without shady collectors making your life miserable through illegal harassment and deception. That‘s why the Fair Debt Collection Practices Act (FDCPA) exists – to protect consumers from abusive, unfair, or deceptive debt collection practices.Under the FDCPA, debt collectors are prohibited from doing things like:
- Calling you before 8am or after 9pm
- Contacting you at work if you’ve told them not to
- Using profane, abusive, or threatening language
- Lying about how much you owe or their legal authority
- Threatening legal action they can’t actually take
- Failing to identify themselves as debt collectors upfront
Basically, they have to be honest and treat you with respect. If they cross those lines through harassment or deception, you may have grounds to sue them for money damages.
Common Illegal Debt Collection Tactics to Watch Out For
Unfortunately, many unscrupulous debt collectors routinely violate the FDCPA through abusive and deceptive tactics designed to intimidate consumers into paying up. Here are some common red flags:Incessant Calling – Repeated phone calls at all hours, even after you’ve asked them to stop, is a violation of the FDCPA’s calling time restrictions.Profanity and Threats – Debt collectors can‘t use profane language or threaten violence, harm, or illegal acts against you. That’s considered abusive behavior.Impersonation – Some sketchy collectors pretend to be law enforcement, attorneys, or government officials to scare you into paying. That‘s a deceptive practice.Inflating Amounts – It’s illegal for collectors to misrepresent how much you owe through inflated fees, interest, or other charges not permitted by law or your agreement.Empty Threats – Threatening legal action like wage garnishment, property seizure, or arrest when they have no grounds to do so violates the FDCPA.If you recognize any of these tactics being used against you, it’s a huge red flag that your rights are being violated. Don’t ignore it – speak to a consumer protection lawyer right away.
-We’ll Be Your Fearless Advocates Against Abusive Debt Collectors
At Spodek Law Group, we have a long, proud history of standing up for consumers and aggressively pursuing maximum damages against debt collectors who violate federal and state laws. Our top-rated federal lawyers have over 50 years of combined experience taking on these cases.When you hire us, we’ll immediately send the abusive debt collector a cease and desist letter, demanding they stop the illegal harassment and honor your FDCPA rights. If they refuse to comply, we won‘t hesitate to take them to court.Our attorneys are relentless litigators who have secured countless six and seven-figure verdicts and settlements for clients against egregious debt collector violations. Just check out this $300k settlement against a collector that repeatedly harassed our client, or this $49 million verdict over deceptive robocall tactics.We’ll fight tirelessly to get the abusive conduct to stop and recover maximum compensation for the emotional distress and violations you‘ve suffered. Debt collectors who think they can push consumers around will quickly learn Spodek Law Group doesn’t back down.
What to Do if Debt Collectors Violate Your Rights
If you’re being harassed or deceived by abusive debt collectors, it‘s crucial to document everything and consult a consumer protection lawyer right away. The more evidence you can provide of FDCPA violations, the stronger your case will be.Here are some tips on what to do:
- Keep a log of all calls, with dates, times, callers, and details of what was said
- Save any letters, emails, texts or voicemails from the debt collector
- Get caller ID info and record calls if your state allows it
- Send them a letter demanding they stop contacting you
- Don’t engage with them or provide any info until you’ve spoken to a lawyer
Having detailed records of the harassment and illegal conduct will allow your attorney to build a rock-solid case against the abusive debt collector. Don’t delay – the sooner you take action, the better your chances of getting the behavior to stop and recovering damages.At Spodek Law Group, we offer free, confidential consultations to review potential FDCPA violations. If we believe you have a case, we’ll take it on immediately and start working to enforce your rights. You don‘t have to suffer harassment from debt collectors any longer.
What Damages Can You Recover for FDCPA Violations?
If a debt collector has violated your rights under the Fair Debt Collection Practices Act through harassment or deception, you may be entitled to significant monetary damages, including:
- Actual Damages – Compensation for any out-of-pocket expenses caused by the illegal conduct, like costs of changing your phone number, medical bills for stress/anxiety, etc.
- Statutory Damages – The FDCPA allows for up to $1,000 in statutory damages per violation, even if you didn’t suffer actual financial losses.
- Emotional Distress – You can recover damages for emotional distress, anxiety, and mental anguish caused by the abusive collection practices.
- Attorney Fees – If you win your case, the debt collector has to pay your reasonable attorney fees and court costs.
- Punitive Damages – In cases of particularly egregious or malicious violations, punitive damages may be awarded to punish the collector.
The exact amount you could recover depends on the specific violations and severity of the harassment. But rest assured, our skilled litigators will fight aggressively to maximize your compensation.We’ve secured countless six and seven-figure verdicts and settlements against abusive debt collectors on behalf of clients, including this $300k settlement and this $49 million verdict. When debt collectors violate the law, we make them pay dearly.
What to Expect When You Hire Spodek Law Group
Hiring a debt collection harassment lawyer may seem daunting, but we make the process as straightforward and stress-free as possible:
- Free Consultation – We start with a free, no-obligation case review where you can explain your situation. We’ll advise if the debt collector’s conduct violates the FDCPA.
- Evidence Gathering – If we take your case, we’ll have you document all communications and compile evidence of the harassment or deception.
- Cease & Desist – We’ll send the debt collector a cease and desist letter demanding they stop the illegal practices immediately or face legal action.
- Negotiation or Litigation – If they refuse to comply, we’ll either negotiate a settlement or take them to court to recover maximum damages.
Throughout it all, our attorneys will guide you every step of the way, ensuring you understand your rights and options. We treat our clients like family.
Why Choose Spodek Law Group?
So what sets Spodek Law Group apart from other debt collection law firms? A few key advantages:🌟 Proven Track Record – With over 50 years’ combined federal litigation experience, we’ve secured countless six and seven-figure verdicts and settlements nationwide. Debt collectors know we mean business.💰 Affordable Fees – We offer flexible payment plans and reasonable fees to make top-tier legal representation accessible to all. Legal costs should never be a barrier.🕰 24/7 Availability – Dealing with abusive debt collectors is extremely stressful. That’s why we’re available 24/7 to answer questions and provide support when you need it.🔒 Cutting-Edge Security – Our fully digital client portal allows secure document uploads, case tracking, and team communication – all protecting your privacy.