Effective Collections Assistance for Creditor and Consumer
In popular culture, collection actions have been the subject of some bad media attention. Horror stories of creditor harassment abound. Debt collection, however, is completely legitimate and can be conducted in both an effective and ethical manner.
At Roger G. Jain & Associates, P.C., our attorneys represent both creditor and consumer in collection disputes or collection activities. We collect funds on behalf of our small business clients. We also protect our clients from creditor harassment and actions that are not allowed by law.
The types of collection clients we represent include:
- A Limited Liability Corporation where one member seeks to collect fees paid to the corporation that were due to the member
- Credit card defense for clients whose credit card account was sold on the open market to a third party, which in turn called the credit card payable in full, and attempted to collect
- Small businesses seeking to collect on past due accounts receivable
Fair Debt Collection Practices Act and Creditor Harassment
In 1978, Congress passed the Fair Debt Collection Practices Act (FDCPA). The act was designed to halt unfair debt collection practices and provide some safeguards and remedies for consumers.
The types of debt collector activities, which are not allowed, include:
- The use, or threat of the use, of violence or harm to a person or business' reputation or property
- The use of profane language
- The publication of a list of consumers who refuse to pay debts, except under specific circumstances
- The use of repeated telephone calls intended to annoy, abuse or harass
Our law firm is aware of the details of the FDCPA and acts in accordance with it at all times. We also act to protect our clients during collection disputes involving collection entities that do not follow the rules.
Small Business Law Since 1993 ∙ Call 832-539-4759 or toll free 866-471-6269 for Help
Based in Houston, Texas, our lawyers represent small businesses and consumers throughout the greater Houston metro area. Call our toll-free number, 866-471-6269, or send us an e-mail to tell us your story. We'd like to help you.
