Abusive Debt Collectors

Hodges Trial Lawyers have assisted consumers in cases involving violations of federal law including both the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). Debt collectors have the right to attempt to collect debts that are legitimately owed by a consumer and these statutes provide guidelines for how credit providers and debt collectors can act and what they can legally do.

The following are examples of what debt collectors and credit providers should not do:

  • Contact your friends, family, co-workers and/or neighbors and disclose information about your alleged debt;
  • Put in writing or communicate over the telephone things that are untrue;
  • Put in writing or communicate over the telephone things that are unfair;
  • Put in writing or communicate over the telephone things that are disrespectful;
  • Put in writing or communicate over the telephone things that are demeaning or rude;
  • Put in writing or communicate over the telephone things that are undignified.

If debt collectors have contacted you or someone else about you and have done some or all of the things listed above, you may be entitled to compensation under federal law.

You should contact an attorney who will represent your interests and you should:

  1. Preserve copies of all letters, notices, correspondence, and demands from the collection agency;
  2. Preserve any messages left on your answering machine, voice mail, and/or cell phone;
  3. Keep a detailed diary or journal regarding all communications you have with the debt collector.

The FCRA provides for the regulation of consumer credit information. According to CBS News, 4 in 5 credit reports contain errors or incorrect information. These errors can be devastating to an individual and his or her family. The cause of these errors can be the following:

  • Oversight by the credit bureau
  • Oversight by the credit provider
  • Identity theft
  • Fraud by the collector or credit provider

If you have incorrect information on your credit report or have been harassed by abusive debt collectors you many need to speak with a competent attorney who can help you.

Alabama Abusive Debt Collectors at Hodges Trial Lawyers, P.C. Can Help Protect Your Interests

If you are a victim of abusive debt collectors or have had inaccurate information placed on your credit report, contact Hodges Trial Lawyers online or call us at (888) 539-3110 to set up a consultation to discuss your options. From our offices in Huntsville and Athens, we assist clients throughout North Alabama, including the areas of Madison County, Limestone County, Marshall County, Jackson County, Morgan County, and Lauderdale County.  

A Message to Our Clients About Coronavirus COVID-19:
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A Message to Our Clients About Coronavirus COVID-19

At Hodges Trial Lawyers, P.C. we view the safety and well-being of our clients, staff and business partners as our highest priority.

The situation regarding the COVID-19 virus is continually changing, and we are following all recommended guidelines to stay healthy.

Currently, our law firm is remaining open and working to serve your legal needs. We are, however, limiting in person meetings to comply with social distancing recommendations.

We are happy to arrange for phone or video consultations should you have any concerns about keeping your scheduled appointments with us. We are also able to exchange documents via secure drives or email. We will continue to diligently represent our clients, even if we have to do so remotely.

Should you have any concerns, please contact us online or call/text us at 256-539-3110.

Thank you and stay safe.