Mitchell's Story

Mitchell (the name is changed to protect our client's privacy) came to us for a Chapter 7 bankruptcy consultation. When we went over his credit report, we noticed several blatant violations of the Fair Debt Collection Practices Act (FDCPA), a powerful federal law that prohibits debt collectors from using unfair or abusive practices to collect debts.

The primary violation we found on Mitchell's credit report was the addition of interest to his credit card debts by debt collectors who purchased the debts that had been charged off by the credit card companies. These debt collectors purchase charged off debt for pennies on the dollar and then attempt to collect the entire amount of the debt, and in many instances, add unlawful interest to the amount.

We also collected damages for Mitchell from two law firms that also violated the FDCPA. One of them filed suit after the statute of limitations (the date by which suit has to be filed) had expired. The other misrepresented the nature of the debt they were trying to collect.

We were able to stop a garnishment that had been issued by a Florida court against Mitchell for another debt. And, Mitchell got back the money garnished from his paycheck.

So, what did our fight with five debt collectors and two law firms cost Mitchell? Not one red cent. We collected our fees from the debt collectors and the law firms. In the end, Mitchell had nearly all of his debt forgiven, negative information regarding the debts removed from his credit report, and several thousand dollars in damages in his pocket. And, to think he came in to declare bankruptcy!

Your situation may be different than Mitchell's, and your outcome could also vary. But, you have absolutely nothing to lose by letting us take a look to see if we can help. Call for a free consultation at (502) 245-9100 or toll free at (866) 279-9721. Or, if you prefer, email us at info@debt-relief-law.com.