Your Phone Harassment Checklist:

  • Robocalling your cell phone without your consent
  • How to identify a robocall: When you answer your cell phone, you hear silence, music, or clicking sounds before being connected to a live person
  • Robocalls before 8:00 a.m. or after 9:00 p.m.
  • Robocalling after you've asked the debt collector to stop calling
  • Stop the harassment. Once you've retained Lemberg Law, the debt collection calls will stop
  • Get up to $1,500 per call. Sue for violations of the Telephone Consumer Protection Act
  • Zero upfront costs. Our legal help costs you nothing out of pocket; we don't get paid unless you win
If you’ve experienced any of these, you may have a case.

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What does debt abuse look like?

Attorney Sergei Lemberg gives hypothetical examples of potential FDCPA or TCPA violations.
Hypothetically, consider that a man and his beloved have been with each other for close to two years. He decides to invite her to a special dinner during which he proposes. He is thrilled but also worried, because it is a huge step in their relationship. Four months later, he fails to pay on the line of credit with which he purchased the ring for her. He picks up the mail on his way back from his Wednesday hockey game and discovers an envelope from a collection company stating that it will start legal action unless he chooses to pay the balance or set up payment plan. He gets scared because he does not want his fiancee to know about the bill and because he does not want to go to court. The problem is that the bill collection company has to actually intend to file suit against him and has to be able to file suit against him in order to threaten him with legal action. Empty threats are violations of the FDCPA.
Has this ever happened to you? You are hanging out in your former coworker's front yard discussing their new job and snacking on chips. You know they've been looking for a new job and want to help. Their cell phone beeps and rolling their eyes, they grab it to turn it off. Curious, you ask, "Why didn't you answer?" They say, "I get the same collection agent calling me eight times a day." You are concerned as they pick up the phone to show the five missed calls when it's ringing once again. You feel sorry for them, and tell them there must be something they can do to put a stop to the relentless calls. This company might have violated the Fair Debt Collection Practices Act.