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Tag Archive | fcra

FCRA – Fair Credit Reporting Act

Our client, Lady Z, received a demand letter from a junk debt buyer.  Lady Z contacted us immediately and we sent out a Validation letter.  A Validation letter is a request to the debt collector to authenticate the debt that they allege is due and owing.  The debt collecter in Lady Z’s case did not respond to our request.  By law, they have 30 days to respond to our Validation request.  If they fail to do so, they may make any further attempts to collect on the debt, and, they must mark the client’s credit record as “disputed”. 

In this matter, the debt collector failed to do anything that it was required to do by law.  After about 45 days, Lady Z reviewed her credit report and discovered that the debt collector was still reporting this debt as valid, with no dispute listed.  We immediately filed a lawsuit against the debt collector in state court. Within a matter of about 3 weeks, debt collector’s attorney contacted us and acknowledged the error.  He was willing to eliminate the underlying debt, remove the adverse credit reporting, pay $1000 in statutory damages and pay our attorney fees.

Posted in Lawsuits

Credit Card Lawsuits

If you are faced with a credit card lawsuit, whether its an original creditor or a junk debt buyer, contact my office at 412-823-8003 right away. We offer a free, no obligation review of any credit card based lawsuit that is filed in PA.

FDCPA Attorneys

Many Debt Collectors threaten people, that's a fact. Threats of wage garnishment, jail, fraud charges and contacting employers, friends and relatives happens every day to people just like you. The truth is that most of these threats are illegal. If a debt collector is threatening you, contact our office at 412-823-8003 for a free initial consultation.