Laws Protecting Consumers from Scams

The laws protecting consumers have never been more important than in this past year. Many people are facing financial turmoil and are behind on numerous payments. That means the door for debt collectors to prey on consumers. Creditors and debt collectors are stepping up their efforts to collect on what they say is owed. Unfortunately, […]

Fair Debt Collection Practices Act FAQs

What Does the FDCPA Stand For? The FDCPA stands for the Fair Debt Collection Practices Act. What Does the FDCPA Do? The Fair Debt Collection Practices Act protects consumers from illegal, unfair and deceptive debt collection attempts. What Counts as an FDCPA Violation? There are a number of things that can violate the FDCPA. A […]

Collecting Debt Discharged in Bankruptcy

The Fair Debt Collection Practices Act (FDCPA) protects consumers from creditors collecting debt after having obtained a bankruptcy discharge. While commonly known for preventing certain types of collection methods, the legislation is instrumental in cases of Chapter 7 bankruptcy. Federal courts found that attempting to collect after a bankruptcy discharge is a false representation about the […]

Common Illegal Debt Collection Tactics

It’s easy to feel powerless in the face of collection activity. Confusing letters, intimidating voicemails and seemingly complicated legal notices might lead you to pay whatever is being asked of you or cause you to ignore the matter altogether. However, debt collectors aren’t as untouchable as they may seem—you have rights and they have certain […]

North Carolina TCPA Attorneys

phone on a cord

The federal Telephone Consumer Protection Act (TCPA) provides certain statutory damages when telemarketers harass consumers with unsolicited telephone calls, faxes, or text messages.  These calls invade the privacy of you and your family and the calls may not stop unless you get an attorney to help. There are multiple sections and ways a telephone solicitor […]

When Debt Collectors Attempt to Collect a Paid Debt

North Carolina law provides generous protections for debtors against harassment, coercion, and misrepresentation by debt collectors. While there are any number of ways a debt collector can run afoul of these statutes, one of the more obvious is to attempt to collect a paid debt. Whether the debt collector is the actual creditor or a […]

Lawsuits Against Collection Agencies for Harassment of Debtors

A creditor has a right to use a collection agency to attempt to collect unpaid debts. It does not, however, have the right to use the collection agency like an “attack dog.” North Carolina law provides that it is unlawful for collection agencies to use harassment to attempt to collect debt. If a collection agency […]