Stop Debt Collectors!
When you encounter a bad debt collector breaking the law, we are here to stop them. We provide these services at no out-of-pocket cost to you. Under the Fair Debt Collection Practices Act (FDCPA) and the Texas Debt Collection Act, debt collectors who break the law must pay your damages and pay the fees and costs incurred by Tod Lewis Law, PLLC. Hence, you pay nothing out of your pocket.
TOP 15 COLLECTION HARASSMENT TECHNIQUES:
Below is listed just some of the ways that debt collectors break the law and violate peoples’ rights under the Fair Debt Collection Practices Act. The only reason they are so nasty and harass people is MONEY because they get a percentage of the collected amounts. Since few ever sue them there is no reason to stop, and when they do get sued it’s just considered a cost of doing business.
Calling on your cell phone after you told them they aren’t allowed to
Repeated calls using automated computerized “robo-dialers”
Repeated pre-recorded messages
Calling at work, or to third parties such as family members, neighbors or friends and informing them of the debt
Falsely reporting a debt on your credit report
Sending misleading letters
Sending letters to family members or friends
Threatening to file a lawsuit when there is no intention to do so
Collecting money not owed
Calling you before 8 a.m. or after 9 p.m. and informing them of the debt such as friends, family and employers
Threatening you with garnishment, judgment and property seizure
Threatening you with law enforcement
Failing to send you a written demand letter
Continuing attempts to collect a debt after you have demanded validation of the debt and they have not provided it
Lying, swearing or cursing at you.