DEBT COLLECTION ATTORNEY IN GREELEY, COLORADO

STOP DEBT COLLECTORS FROM HARASSING YOU

If you are being contacted by collection agencies, you need an experienced and professional Greeley debt collection defense law firm to fight for you to end the abuse. At Stout Law Firm, I want you to know you are not alone. You are protected by federal and state laws against harassment. Debt collectors who break these laws can be prosecuted. That is where I can help. I will work for you to end the harassment.

You may find yourself in the unfortunate position of owing money to creditors, and you may not be able to pay them off until your financial situation improves. This is a common problem for many Americans. No one should be made to feel ashamed of this situation, but debt collectors and collection agencies can make you feel that way using intimidation and fear. The federal and Colorado Fair Debt Collections Practices Act (FDCPA) protects consumers from creditors harassing you to pay off what you owe them and prevents them from trying to collect more than what you owe. At Stout Law Firm, I go after the collection agencies and debt collectors who break these laws. These collection agencies and debt collectors try to make individuals’ lives difficult and sometimes scary. Consumers become afraid to answer the phone or check the mailbox. I believe the debt collectors and collection agencies should pay for this poor practice and that you should be treated with dignity and respect.

I am the only practice in Greeley and one of the few practices in the state specializing in this area of the law, so you can be sure that I will provide you with dedicated, knowledgeable, and experienced representation to fight for you against debt collection harassment. This is my area of expertise and I have a passion for protecting consumers who find themselves the victims of abuse and harassment at the hands of debt collectors and collection agencies.

Take the first step to end the harassment and abuse. Get a Greeley debt collection defense law firm on your side to stop the harassment so you can move forward without fear. Call Stout Law Firm today for a free case evaluation.

WHY STOUT LAW FIRM?

• Your case evaluation consultation is free

• Expertise in FDCPA/CFDCPA

• I work on a contingency basis

• The only law firm in Greeley specializing in FDCPA cases

KNOW YOUR RIGHTS AGAINST DEBT COLLECTORS AND COLLECTION AGENCIES

Stout Law Firm is a Greeley law firm dedicated to helping people who are being harassed and abused by debt collectors and collection agencies. So many consumers are facing difficult financial choices of maintaining their household or paying off an abusive debt collector or collection agency in order to stop being harassed. You do not have to make this choice. I can help stop the harassment today. You do not have to feel alone or ashamed of your situation. I am are here to help. Debt collectors and collection agencies often use fear and intimidation. They know that very often consumers will not seek out qualified legal help because of shame or embarrassment and they work to keep you feeling that way.

Debt collection is a legitimate business. When it becomes abusive, rude, harassing, and out of control, there are state and federal laws to protect consumers. Stout Law Firm can take action to protect you and your family and make debt collectors and collection agencies pay if they have violated those laws. I am not intimidated by debt collectors. My only concern is serving the needs of my clients, at no cost to the client, and protecting their rights during difficult times. I offer free, confidential case evaluation consultations and I will work fast to stop the abuse and harassment. I will see that you are compensated for any violation of federal and state debt collection laws. Call today to see how I can work for you.

THE FAIR DEBT COLLECTION PRACTICES ACT AND YOUR RIGHTS

The Fair Debt Collection Practices Act (FDCPA) was passed in 1977 by the U.S. Congress. It was designed to protect consumers against abuse, harassment, and fear tactics by debt collectors. It provides that if a debt collector violates the law, you as the consumer have a right to bring a lawsuit against that debt collector and his or her collection agency. It does not matter if the debt is valid or not. You could be awarded up to $1,000 in statutory damages by the court for violations of the FDCPA and the debt collector can be made to pay all your attorney fees and costs associated with bringing the action.

Statutory damages are damages awarded for violations of the FDCPA that do not require any showing of actual damages. They require showing that the debt collector has violated the law. Actual damages can also be awarded by the court. If you have suffered economic loss, job loss, emotional distress, depression, damage to your economic status, damage to your relationships, or actual out-of-pocket expenses incurred as a result of illegal behavior by the bill collector, the court may award you compensation. If you can prove actual damages, you may be entitled to much more than the $1,000 statutory damages.

EXAMPLES OF FDCPA VIOLATIONS

• Abusive or profane language

• Threats of economic or bodily harm

• Leaving repeated messages on your answering machine or voicemail

• Contacting you between 9:10 p.m. and 7:59 a.m.

• Talking to anyone except you about the debt they are trying to collect

• Misrepresenting who the debt collector is or who the represent – like saying they are lawyers or peace officers if they are not, saying they work for the courts, or saying they are working on your case as part of an ongoing criminal investigation

• Demanding that you pay within a certain time frame or face legal action when they know they have no legal remedy

• Contacting you when they know you are represented by an attorney

These are only a few examples of FDCPA violations. Contact Stout Law Firm for a full case evaluation.

HOW MUCH WILL THIS COST?

Stout Law Firm offers a free case evaluation. This can be done by phone or in person.

If I determine that I believe you have been the victim of illegal acts by a debt collector or collection agency, Stout Law Firm will initiate a lawsuit against that person or agency. The FDCPA authorizes the court to make the debt collector or collection agency who violated the act to pay for your reasonable attorney fees and costs associated with bringing a lawsuit. The FDCPA allows for statutory awards for up to $1,000 to you plus all reasonable attorney fees and costs of litigation. Many cases have damages above and beyond the $1,000 cap. Stout Law Firm will fight for all the damages you deserve. I do not hold you responsible for any attorney fees unless I am able to recover damages for you; however, if I do not recover, you may be liable for other costs.

WHAT IF I OWE THE MONEY?

You probably do owe the money, but that does not give the bill collector the right to harass, intimidate, or threaten you or your family. The FDCPA regulates how bill collectors must behave and rules they must follow. If they don’t follow the rules, even if you owe the money, they can be held responsible for violations of the law.

Contact Stout Law Firm for a free case evaluation today.