If you have been sued by a debt collector in Tennessee or Kentucky, you can fight back. We have successfully defended and brought counterclaims against Midland Funding, Midland Credit Management, LVNV Funding, CACH, Portfolio Recovery, and many other debt collectors.
There are powerful federal statutes that we can use to your advantage. These include the Fair Debt Collection Practices Act (FDCPA), the Fair Credit Reporting Act (FCRA), and the Telephone Consumer Protection Act (TCPA).
In addition, both Tennessee and Kentucky have very effective consumer protection acts, which can be used to fight off debt collectors. And, in Tennessee, debt collectors have to be licensed before they can lawfully attempt to collect a debt.
Many debt collectors violate the law when they attempt to collect debts. The most common violations include:
- Adding unlawful interest and fees to debt they have purchased
- Calling incessantly
- Calling before 8:00 a.m. or after 9:00 p.m. local time
- Calling at work after being notified that your employer does not allow such calls
- Directly contacting you after you have informed the debt collector you have a lawyer
- Threatening criminal charges
- Being overly rude and abusive on the telephone
- Suing on debt that is outside the statute of limitations
- Using recorded (robo) calls to your cell phone
- Falsely reporting the size of your debt to credit bureaus
- Failing to conduct a thorough investigation when you dispute a debt with a credit bureau
If you have been the victim any of these or anything else you think may be a violation of law give us a call at 866-279-9721 or visit our web site at www.debt-relief-law.com. We never charge a fee for a consultation. Learn what your rights and options are. Don't just give up and give in.
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