Mississippi and federal law provide very strong protection for consumers. Even if you owe money, you do not give up your rights as a consumer. If you receive harassing phone calls or have a debt collector use unfair tactics to try to trick you into giving them money, you may be able to sue them. We make it our mission to stop debt collectors from collecting invalid debts and to get you any payment you’re entitled to.
The Fair Debt Collection Practices Act sets out the rules that debt collectors must follow. It requires debt collectors to properly identify themselves and provide adequate proof of the debt you allegedly owe. It also prohibits things like telling your boss you owe money and making false threats of arrest. If you’ve been harassed, threatened, or treated unfairly, you may be entitled to up to $1,000 per violation, recovery of any financial losses you suffered, and payment of your attorney’s fees.
The Telephone Consumer Protection Act sets limits on what debt collectors, telemarketers, and other businesses can do on the phone. It requires calls to be made at a reasonable hour and do not call requests to be honored. Automatic dialing systems are also restricted. A business who violates the TCPA may be required to pay you $500 or more.
A company isn’t allowed to just declare you owe them money and send you to collections. They must have adequate documentation proving there is a debt, that they have the right to collect it, and that you are responsible for paying. This paperwork is often missing or lacking. If it is, you may not be legally obligated to pay even if you believe you owe the money.
If you’re near Hancock and Harrison Counties, Mississippi, and need help protecting your consumer rights, call us today to schedule a consultation.