Law Offices of Brandon A. Block

Law Offices of Brandon A. Block sues debt collectors and creditors who violate the fair debt collection laws. Those laws broadly prohibit any unfair conduct in attempting to collect a debt. Some of the more common violations of the fair debt collection laws include:

• Repeated phone calls
• Phone calls to your work after you tell the collector the calls are not allowed or inconvenient
• Disclosing your debt to others
• Threatening that you will go to jail or be arrested if you do not pay
• Threatening violence or physical harm
• Threatening to garnish wages without telling you that the collector or creditor must first get a judgment
• Contacting your family, friends or employer for reasons other than verifying your location or employment
• Misrepresenting an affiliation with the government, such as the police
• Threatening to communicate or communicating false information to credit reporting bureaus

If you win a case under the fair debt collection laws, you may be entitled to recover a statutory penalty up to $1,000, your attorneys’ fees and costs, and your actual damages. Actual damages come in many forms and can include your pain and suffering for having to deal with an abusive debt collector.

It is important to keep accurate records and notes when dealing with a debt collector, and this includes keeping all written correspondence and the envelopes in which they were received. While a collector’s records may reveal the illegal conduct at issue, they may not, and it often is important for the consumer to present complete and accurate records in order to fully establish his or her case.

We are very experienced in the fair debt collection laws and have pursued and successfully resolved claims for violations of those laws against some of the largest creditors and debt collectors. Please feel free to contact us with your issue.