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Consumer Protection Laws are meant to protect you, the consumer, from abusive, fraudulent, deceptive, and prohibited practices by debt collectors, credit bureaus, creditors, or any other company. There are numerous laws at both the state and federal level that prohibit these companies from engaging in unlawful conduct.

At Champion Law, we help you understand your rights when dealing with debt collectors or other companies. We are dedicated to protecting your best interests and can explain the legal requirements of the Fair Debt Collections Practices Act, Fair Credit Reporting Act, Telephone Consumer Protection Act and other laws.

So if you are being abused or harassed by a debt collector or some other company is doing something that seems unfair, fraudulent or unlawful please contact us for a free case evaluation. We want to make your case our cause.

Common Violations

Common violations by debt collectors are:

• 1) Disclosing your debt to third parties, such as your employer, friends and/or family.
• 2) Calling you at work after you have told them that you can't talk at work.
• 3) Leaving messages without telling you who they are or that they are a debt collector.
• 4) Using machines to call your cell phone and leaving recorded messages without your consent.
• 5) Saying they are going to do things that they cannot or do not intend to do.
• 6) Asking your employer, friends and/or family more questions about you than they are legally allowed.
• 7) Harassing you by calling you an excessive amount of times or being abusive when you talk to them.
• 8) Providing you with false or misleading information.
• 9) Obtaining a copy of your credit report without a permissible purpose.
• 10) Reporting inaccurate credit information to consumer reporting agencies, including not reporting that you dispute the debt.
• 11) Using obscene or profane language when communicating with you.
• 12) Attempting to collect a debt that you do not owe or attempting to collect more then you legally owe.