Creditors will stop at very little to get another penny out of you once you fall behind on loan payments. If you are being bugged at what seems like all hours of the day, then it is time to take action and protect yourself from further debt-related issues.
Katz Kantor Stonestreet & Buckner, PLLC offers debt collection defense representation to consumers throughout West Virginia. Our legal team is backed by more than 85 years of experience handling difficult cases like yours. We are known for our compassion and tenacity, which means you get a comfortable legal experience while the opposition needs to brace for impact if they meet us in court.
Let’s talk about your debt collections defense strategy today. Call (304) 898-8499!
The Federal Trade Commission (FTC) and the West Virginia Consumer Protection Act has rules in place to prevent creditors from harassing you about your debt. However, as you probably already know, many creditors disregard these rules frequently.
Five common forms of creditor harassment include:
Debt collectors and creditors hope that you will not have the courage or legal know-how to speak up and challenge them. Thankfully, you have found our talented West Virginia debt defense lawyers who are not afraid to take debt collectors head-on, in and out of court.
The last thing a debt collection agency wants you to do is research how to stop them from collecting a debt. While it might not seem intuitive or possible, there are strategies you can utilize to stop the debt collector from harassing you. A commercial creditor or debt collector must stop calling you if you send written notice directing them to stop. The letter should be sent by certified mail with a return receipt requested. If a debt collector misrepresents the amount of money it claims is owed or to whom the money is owed it is violating West Virginia law. Additionally, a debt collector that gives inaccurate or false information to credit reporting agencies such as Equifax, Trans Union or Experian is violating the law. Therefore, it is important that your review your credit reports to ensure that information contained therein is accurate. If you believe that your credit report contains false or inaccurate information, you need to send a letter to the credit reporting agency disputing any false or inaccurate information contained in the credit report. Additionally, if you have retained an attorney to represent you regarding the debt that is claimed to be owed, you should inform the debt collector that you are represented by an attorney and give the debt collector your attorney’s contact information. You should also send this letter by certified mail with a return receipt requested. Once the debt collector is aware that you are represented by a lawyer, the debt collector must direct all communications to your lawyer. The creditor violates the law if they continue to call you after they receive notice of your legal representation.
Two of the most prominent debt defense strategies are:
Consumer debts can be challenged if you do it right. To understand your options and use them proficiently, team up with our West Virginia debt collection lawyers at your first opportunity. We take pride in being there for people in need, especially when they are feeling out of options due to the oppressive strategies of debt collectors.
Get more information during a free initial consultation. Call (304) 898-8499 today.
206 South Walker St.
Princeton, WV 24740
500 Virginia Street, East Suite 830 Charleston, WV 25301
307 Federal St Suite 217 Bluefield, WV 24701
112 East Main Street Beckley, WV 25801
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