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Texas Debt Attorneys Help Stop Debt Collector Harassment & Telephone
Calls
Texas Debt Laws
Texas Debt Attorneys Help Stop Debt Collector Harassment
& Telephone Calls
This service is designed
to stop harassment and is appropriate for consumers who
have not been sued yet, but who are being bombarded with
harassing telephone calls or debt demand letters from
debt collectors or credit card companies or credit card
attorneys. The fee for this service is $250.00.
You will receive a consultation with one of our debt
attorneys who will then draft and send a letter of
representation with a cease and desist directive to the
debt collector on your behalf. Consultations can be
conducted over the telephone or in person at our office.
If you are being harassed for more than one outstanding
debt, letters will be drafted and sent for $50.00 per
additional letter. For example, if you are being
harassed by three different debt collectors for three
separate debts and would like to hire us to address all
three, our fee would be $350.00 - $250.00 for the first
consultation and letter and $50.00 per debt for the
remaining two.
This service offers a lot
of bang for the buck. Under the Fair Debt Collection
Practices Act (FDCPA), when a debt collector learns
that a debtor is represented by one of our debt lawyers,
the debt collector is prohibited by law from
communicating with anybody other than the attorney about
the debt. This means that once the debt collector gets
our letter, the harassing telephone calls must stop
immediately. Debt collectors who violate this law can be
sued and may be subject to statutory and other civil
penalties. It has been my experience that for many
folks, this is the only service they will ever need.
While many creditors do file lawsuits to collect
delinquent debts, many do not. And, many debts that
people are harassed over are time-barred in that the
applicable statute of limitations has passed, meaning
that the creditor would be prohibited from filing a
lawsuit against the debtor anyway. Thus, it is possible
that after the debt collector receives the letter from
our law firm, you will never hear about the debt again.
There are a few things to
keep in mind. After a period of time, it is common for
creditors to move their delinquent debt portfolios
around and to place them with new debt collectors. If
this happens, you may be contacted again and an
additional letter may be necessary. The fee for
additional letters is $50.00, as explained above. Also,
you should know that creditors are not subject to the
FDCPA, which only applies to third-party debt
collectors. In the event that you are being harassed
directly by a creditor and not a third-party debt
collector, we can probably still help you, but the way
we go about doing it may be a little different because
the laws are not the same. |
