The DiGiulio Law Firm understands that many clients actually owe the debt that the creditor may be attempting to collect. However, The DiGiulio Law Firm emphasizes to all its clients that creditors and collectors have certain rules they must abide by when contacting a debtor for collection purposes. In addition, the law firm maintains that all debtors have rights. Just because someone is experiencing difficulty paying their debts does not give a collector the right to call them a deadbeat or attempt to intimidate them in any way, shape, or form. In these times of economic hardship, there has been a significant change in the type of person that needs financial assistance. People who are being harassed and abused by uncaring collectors are not irresponsible people who went into debt to purchase expensive luxury goods, but are hard working consumers who, due to unforeseen circumstances, find themselves drowning in debt. It is the belief of the law firm that its clients must be protected from unscrupulous collectors who violate state and federal collection law. For this reason, all clients of The DiGiulio Law Firm receive free legal representation in the event that it is determined that the collector violated FDCPA law. The law firm will provide an attorney to file suit against the collection office or creditor once the violation is proven to have taken place.
The following is a list of rules that must be followed by collectors when attempting to collect a debt. Failure to abide by these rules and regulations may put the collector in danger of being sued under federal, and sometimes state, laws.
When Contacting Third Parties/Other People
Prohibited Communication
Harassment or Abuse
False or Misleading Representations in Communication