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Credit Card Debt

Fair Debt Collection Rights

If you use credit cards, owe money on a personal loan, or are paying on a home mortgage, you are a "debtor." If you've fallen behind in repaying your creditors, or errors were made on your accounts, the credit card companies or their partners may have sued you. 

You should know that the Fair Debt Collection Practices Act requires that debt collectors treat you fairly and prohibits certain methods of debt collection.  You have rights!  The Clubb Law Firm, LLC can help you assert those rights and get your life back on track.

You Deserve Answers

What debts are covered? -  Personal, family, and household debts are covered under the Act. This includes money owed for the purchase of an automobile, for medical care, or for charge accounts.

Who is a debt collector? - A debt collector is any person who regularly collects debts owed to others. This includes attorneys who collect debts on a regular basis.

Can debt collectors continue to contact you even if you believe you do not owe money? - A collector may not contact you if, within 30 days after you receive the written notice, you send the collection agency a letter stating you do not owe money. 

What types of debt collection practices are prohibited?

- Harassment. Debt collectors may not harass, oppress, or abuse you.
- False statements. Debt collectors may not use any false or misleading statements when collecting a debt.

What can you do?  - If you have already been contacted or sued by a debt collector, you can defend yourself and potentially recover money for your damages.

Zombie Debt  

The phrase "zombie debt" refers to any debts a consumer has forgotten about or never owed in the first place that eventually lead to financial problems or harassment from collection agencies. 

Consumers do have some protections: 6 years after a debt goes into default, the collector no longer can sue to collect.  And after 7 years, the debt can't be shown on a consumer's credit report.

We know how to fight the debt buyers who unjustly sue you for a zombie debt.

Call the The Clubb Law Firm, LLC at (573) 651-1900 or email us to set up a free case consultation. 

 
The Clubb Law Firm, LLC., 718 Caruthers, Cape Girardeau, MO 63701
Phone: (573) 651-1900 Fax: (573) 651-1902   Disclaimer
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