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SERVICES
When an individual becomes a client of our legal service, we inform their creditors and debt collectors and ask them to cease contacting our client directly pursuant to the Federal Fair Debt Collection Practices Act (FDCPA). If a creditor who falls under the provisions of the FDCPA ignores the cease and desist order, we work with co-counsel in pursuing all legal remedies available to our client. When a collection agency receives our letter informing them that our client is judgment-proof, the collector often will sell the debt to another company without informing the company that the account is uncollectible. The only time a debtor can be sure that he will not be pursued on an old debt is after the statute of limitations has run. In other words, by state law, a creditor or collector has a window of time in which they must collect a debt or, by law, the debt becomes uncollectible. Depending on the debtor’s state, the statutes of limitations range from 3 to 8 years. Most of our clients cannot afford bankruptcy fees. Therefore, our legal service is the only affordable defense that they can retain to help protect them from illegal harassment by debt collectors. |
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