Debt Harassment Defense Attorney in New York
Fighting Debt Disputes with Collection Agencies
If you received a collection notice or are receiving harassing phone calls for debt that you believe is not yours, you have legal rights. Under the Fair Debt Collection Practices Act (FDCPA), you have a right to make the lender show you proof of the debt through the debt validation process.
Rest assured, collection agencies make mistakes. In some cases, the person receiving the letter has already paid the debt. Other times, even though the letter looks legitimate, the collection agency may be attempting to get money for a bogus debt. It is even possible that it is a legitimate debt, but the creditor never hired the agency to collect it.
Our New York debt harassment lawyer at Jacovetti Law, P.C. has years of experience helping clients fight debt disputes. If you have a question about a collection letter charging you with a debt, we can help you address and resolve it.
Address Debt Collection Letters Quickly
According to the federal Fair Debt Collection Practices Act, consumers have the right to require a collection agency to verify the amount and validity of the debt. Once you receive a collections letter, you must act quickly. A collection agency’s first letter usually includes the debt amount, creditor name, and a note advising that you have 30 days to dispute the validity of the debt. In addition, the letter should advise you that if you do not dispute the debt’s validity in writing within 30 days, the debt will be assumed valid. At that time, the agency can use legal efforts to pursue collection.
If you live in New York and have received a debt collection notice, consult with Jacovetti Law, P.C. right away. Our firm can prove that the debt collection agent is wrong or, if the debt is indeed yours, we can negotiate on your behalf to get the collections agent to accept less than the full amount of your debt.
Aggressively Protecting Our Clients’ Rights
The Fair Debt Collection Practices Act is an important tool designed to protect consumers. Obviously, you should never have to pay a debt you did not incur. Furthermore, if it is your debt, you still may be able to negotiate a lower amount and wipe the debt clean.
When you receive a debt collections letter, New York debt harassment defense attorney Robert Jacovetti is here to help. During a free 30-minute consultation, you can find out how our firm can help you. We take pride in helping people fight unfair collections practices.
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