Know your rights.

Consumer lawyer Troy Doucet talks about the federal and Ohio laws that help protect consumers in everyday transactions. He will touch on the laws governing Mortgages, Debt Collection, Car Purchases, Gym Memberships, Credit Reporting, and those annoying robo-calls we all get on our cell phones.

We encourage you to call our office if a debt collector is harassing you or your family. We also encourage you to call our office if the debt collector is not harassing you, but is making false statements or false promises to try to collect money from you. The FDCPA is very broad and has been interpreted by federal courts to prohibit wide ranging behavior by debt collectors. We would rather have you call our office to know your rights, rather than going without understanding what your options are. The FDCPA is a federal law that protects people in situations like yours, and you should take advantage of its protections. Even if you have had financial difficulties in the past, that does not give a debt collector a license to walk all over your rights.

Debt collectors must follow strict federal regulations in attempting to collect any debt. They cannot call before 8 a.m. or after 9 p.m. Debt collectors must identify themselves and give you their name and address upon request. Debt collectors cannot lie to you, or misrepresent the nature of the debt. They cannot take money out of your account without your permission (without a court order), and cannot promise you one thing over the phone but actually do another. Doing any of these things can be an automatic violation of the law. If you are facing late night collection calls, call one of our attorneys for a consultation today at (614) 944-5219.

Certainly don’t let abusive debt collectors force you into a situation where you fear for your safety, your family, or your freedom. You cannot be put in jail for failing to pay a consumer debt, nor can a debt collector order the police to your home to arrest you. They also cannot take your property without a court order. If you are being threatened by an abusive debt collector, you deserve legal protections and should call the consumer protection attorneys at Doucet & Associates today. Put an end to the abusive collection activities.

We offer one hour lawyer consultations for our FDCPA prospective clients, and represent most FDCPA clients with no or little out-of-pocket expenses. The federal FDCPA law allows us to collect our fees from the debt collector so most clients don’t pay us anything during the case, and don’t pay our fees unless we win or settle the case. We accept cases from clients located all around in Ohio, as well as clients located outside of Ohio who are being harassed by a debt collector based in Ohio. Call us today at (614) 944-5219 for your consultation.

If you are looking for debt settlement or debt negotiation help, we also may be able to help. Our ability to settle and negotiate debt matters for our clients is strengthened by our understanding of debt collection law. We advise clients facing mounting debt on their legal rights, and can develop a plan to communicate with their creditor or debt collector with an eye towards settling their debts for pennies on the dollar. We can become directly involved with negotiating a debt, or advise you on how to approach your creditor yourself.  We do NOT file bankruptcy – we help people with debts without bankruptcy.

Our strategies can be shaped by the possibility of filing a lawsuit against the creditor or debt collector when claims are available, and we will advise you when we see the potential to sue for wrongdoing. If you want help from our lawyers in settling or negotiating your debts, call us today at (614) 944-5219.

We also defend people being sued by debt collectors. If you are being sued for an old credit card or medical debt, call us for a consultation today. Doucet & Associates can be reached at (614) 944-5219 or by scheduling using our online tool.

Check out some of our related articles about debt collector harassment:

Doucet & Associates Co LPA wins a lawsuit against a debt collector

Double jeopardy in the world of debt collecting

Can a debt collector call you during the holidays? It depends

Can my old landlord hire a debt collector to sue me for moving out of my apartment early?

How to stop the debt collection calls