What Types of Issues Are You Having?

Harassing or annoying phone callsIllegal debt collectionCollection of a debt not owed or wrong amountCredit reporting violationsIdentity theft or fraudData breach or privacy invasionsOther

The Fair Debt Collection Practices Act (FDCPA) is a federal law that was put in place to protect all consumers from harassment, intimidation, and abuse by debt collectors. It does not matter if you owe the debt or not, you have rights and can sue debt collectors when they break the law. If any of your debt collectors have done the following, you might have a case:

Called you before 8:00 AM or after 9:00 PMCalled several times a day or week, or sent several letters, e-mails, faxes or text messagesSent you a postcard regarding your debtCalled more than once without leaving a message or hung up when you answered the phoneCalled you from a number that comes up as “private”, “unknown” or “restricted” on your caller IDCaused collect telephone charges to be made to your phoneContacted you after receiving verbal and / or written notice that you do not wish to be contactedCalled you at work after you informed them not to contact you thereContacted you to collect on a debt that you do not oweContacted you about payment after you informed them that you are disputing the debtContacted you without identifying who they are or the company they representContacted you without identifying that they are a debt collectorContacted you through social media to discuss your debtUsed abusive, offensive, or profane language, or made a threat to you, your reputation, or your propertyContacted your employer, co-workers, friends, or family to discuss the debt (does not include simply requesting updated contact information)Contacted your employer, co-workers, friends, or family more than onceInformed someone else other than your spouse that you owe a debtLeft a message for you regarding a debt owed on a shared voicemail that your employer, co-workers, friends, or family overheardThreatened you with a lawsuit, lien, repossession, wage garnishment, or warrant for your arrest if you do not pay right away and has not done soThreatened to file a lawsuit against you even though the debt owed is beyond the statute of limitations to collect onFiled a lawsuit in a court that does not have jurisdiction over youThreatened to report you to the credit reporting bureaus but has not done soAccused you of committing a crimeGave you the false impression they were a lawyer or calling from a law firmGave you the false impression they worked for the governmentPublished or threatens to publish your information on a “bad debt list”Did not send you a written notice within five days of initially contacting you by phone that provides the total amount of debt owed, the name of the creditor owed, and a statement regarding your right to dispute the debt and to receive validation of the debt if disputed within 30 daysSent an initial demand letter that insisted on payment within fewer than 30 daysAsked you to pay more than what is owed or added unauthorized interest, late payment or collection fees that are not contractually owedAsked you to send a check postdated by more than 5 daysThe debt is still listed on your credit report even though it has been paid

Please provide any additional notes below:

The Fair Credit Reporting Act (FCRA) is a federal law that protects you and your credit report. It regulates the consumer reporting agencies and the parties who provide these agencies with details about your credit. It is sensitive information, and it must be correct. The purpose of the law is to prevent the misuse of information as well as to ensure the accuracy of your credit history since inaccurate or misused credit information may lower your credit score, could cost you hundreds if not thousands of dollars in higher rates on everything from insurance to a mortgage, and might otherwise prevent you getting a loan, from renting an apartment or from getting a job under certain circumstances. The law is complicated, but you might have a case if any of the following has happened to you:

Your credit report was pulled without your knowledge or permissionYou applied for a loan, job or for an apartment, gave consent to pull your credit report and were turned down without being told whyA creditor failed to provide you with your credit score when it is part of any credit decisionA decision was made based on credit information and you were not told where they got that information fromYou were denied a copy of your credit report from a bureau and are on welfare, or are unemployed and looking for work within the next 60 daysClosed accounts are listed as active on your credit reportInaccurate or incomplete information is listed on your credit report (wrong / incomplete account information, wrong address, wrong employment information, wrong / misspelled name(s), wrong SSN)Debt(s) belonging to someone other than you are listed on your credit reportYou were not notified that a creditor provided negative information to a credit bureauYou were not informed by a creditor that you could dispute inaccurate informationA creditor did not provide a reasonable means of disputing inaccurate information they provided to the bureausCreditors reported inaccurate account information to a credit bureau such as late payments that were made on time or inaccurate balances dueYou’ve disputed inaccurate information or reported identity theft to a creditor, and they did not report it to the relevant credit bureau(s)You disputed inaccurate information or reported identity theft to a credit bureau and the bureau did not report it to the relevant creditor(s)A credit bureau did not conduct a reasonable investigation of your disputeInformation disputed and confirmed as being inaccurate is not removed from your credit report within 30 days of the bureau receiving notice of your dispute

Additional Post-Bankruptcy Violations

If any of your creditors have done the following after filing for bankruptcy, you might have a case:

You reaffirmed a debt in bankruptcy, continued to make payments, but the creditor failed to report your post-bankruptcy payments to a credit bureauYour debt with a creditor was discharged, but the creditor continues to report an outstanding balance to a credit bureau as if the debt was still currently owedYou have accounts on your credit report listed as “included in bankruptcy” instead of “discharged in bankruptcy” after obtaining a dischargeYou filed for bankruptcy, but not your spouse, and a jointly held account is reported as “included in bankruptcy” or “discharged in bankruptcy” on your non-filing spouse’s credit report

Errors or Violations Were Reported To:

Creditors / Debt CollectorsCredit Bureau(s)Federal Trade Commission (FTC)Consumer Financial Protection Bureau (CFPB)Better Business BureauOtherNone of the above

If applicable, do you have copies of your disputes and/or credit information that you disputed?

Yes

Please attach copies of your disputes and/or credit information that you disputed.

Add attachment

Add attachment

Choose file

This file could not be attached because it exceeds the 50MB limit.

Please choose a file.

Cancel Upload

No

Please provide any additional notes below:

The Telephone Consumer Protection Act (TCPA) is a federal law that was enacted to protect all consumers from telephone harassment and abuse by debt collectors, telemarketers, and other similar organizations by placing restrictions on telephone solicitations and the use of automated telephone equipment. Unless you previously gave express consent, you might have a case if any of the following has happened to you:

You received collection and/or telemarketer calls to your residential number before 8:00 AM or after 9:00 PMYou received calls from telemarketers even though you’ve registered with the National Do Not Call RegistryYou continue receiving calls after revoking authorization to contact you by phoneYou received debt collector and/or telemarketing calls to your cell phone, which were initiated by an auto dialer, an artificial voice, or a prerecorded messageYou received unsolicited calls to a residential phone number initiated by an auto dialer or pre-recorded message even though you do not have an established business relationship with the callerYou received unwanted business advertisements via text messages to your cell phoneA debt collector or telemarketer failed to provide their name, the name of the person or entity on whose behalf the call is being made, and a telephone number or address at which that person or entity may be contacted

Please provide any additional notes below:

Thank You!