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DEBT RELIEF LAW CENTER

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Stop The Harassment!


HAS YOUR DEBT BENN SOLD OR ASSIGNED? - Consumer Rights Article

Orlando Consumer Rights Lawyer - providing affordable legal services concerning Debt Collection Harassment, Debt Collection Defense, Bankruptcy, Student Loan Dispute, Credit Repair, and other Consumer Law legal services, for residents of Orlando, Kissimmee, and throughout Central Florida.

Call The Debt Relief Law Center at Toll Free 1.888.877.5103 to Schedule a Confidential and FREE Legal Consultation with Attorney, N. James Turner

Whether the debt was assigned or sold can also impact whether the debt collector has authority to collect on the debt. It used to be the case that debts were assigned more often than they were sold. However, the current trend is that original creditors are more likely to sell debts. When a debt is assigned, the collection agency is hired by the original creditor to collect the debt and the collection agency is paid for its services with a percentage of the amount of debt collected.

Unless stated in the contract, if the debt is assigned the consumer does not technically owe the collection agency any money because the collection agency does not have proof that they own the debt. The original creditor continues to own the debt. However, even though the collection agency is acting from the original creditor, they are still governed by the FDCPA.

Collection agencies are now more likely to purchase the debt for a very low amount and then try to collect. If a collection agency purchases a debt they must validate the debt under § 809. If they cannot they are not allowed to:

  • Collect the debt;
  • Contact the consumer about the debt; and
  • Report the debt to a credit bureau.

Since this is the case validation can be a very strong consumer tool. At the very least it can buy some time for the consumer while they wait for the collection agency to validate the loan. Then if the collection agency cannot validate the loan the agency cannot collect on the debt.

If it was not evident already, claims under the FDCPA are quite complicated and require an experienced and resourceful FDCPA attorney to represent you with your claim against aggressive debt collectors. These debt collectors use their experience to exploit loopholes in the law against you. Here at Krohn and Moss, we have been representing clients throughout the United States since 1995 and understand the deceitful tricks used by debt collectors. We have an intimate understanding of the law and compassionately represent our clients to protect their interests.

 

Contact Consumer Rights Lawyer, N. James Turner at The Debt Relief Law Center by Calling Toll Free 1.888.877.5103 to Schedule a Confidential and FREE Legal Consultation.

Orlando Consumer Rights Lawyer, N. James Turner proudly serves the Debt Collection Harassment, Debt Collection Defense, Bankruptcy, Student Loan Dispute, Credit Repair, and other Consumer Law legal needs for residents of Orlando, Kissimmee, Orange County, Osceola County, Seminole County, and throughout Central Florida.

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debt collection defense

DEBT COLLECTION DEFENSE

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If you are dealing with a situation in which you, as a consumer, are not being dealt with properly in a consumer related transaction or circumstance, find out what your legal rights are. Seek the advice and representation of experienced legal counsel.

credit card debt defense

CREDIT CARD DEBT DEFENSE

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Every day those with credit card debt are harassed by a number of collection agencies that commonly use unethical and sometimes illegal means to attempt to collect debt.

 

student loan debt defense

STUDENT LOANS

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Higher education is an investment in one's future; and it can be expensive. If you are being harassed by student loan creditors or debt collection agencies, find out what your legal rights and options are. Make sure your are informed and your rights ar protected.

debt collection harassment

COLLECTIONS HARASSMENT

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Being harassed by creditors or debt collectors is illegal. There are both State and Federal Debt Collection Laws that exist to protect the consumer from harassment and other illegal activities by collection agencies, their subsidiaries, and third parties.

Credit Report Repair

CREDIT REPORT ERRORS

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We will investigate your credit report error and make sure that the error is corrected. We willl dispute the item, insisting that the information furnisher produces evidence substantiating the error or removes the item.

 

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BANKRUPTCY

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Bankruptcy is a mechanism of the Federal Government to allow debtors (people who owe money) to restart their lives when they have gotten into a financial dilemma where there is no reasonable way to repay the debts they owe.

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VIDEOS

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Orlando Consumer Rights Lawyer - watch these informative videos about consumer rights in the financial services industry.

 

frequently asked questions

FAQ

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We answer some of the most common Debt Collection Harassment Question that we hear on a daily basis.

 

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SPANISH VERSION

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Si usted es una de las millones de personas acosadas por un cobrador de deudas desaprensivo, la ley está de su parte. El Acta de Prácticas Justas Para el Cobro de Deudas, regula las prácticas de los cobradores de deudas y les impone sanciones que rompen las reglas.

 

ABOUT JIM TURNER

STARTED SINCE 1990

Orlando Consumer Rights Lawyer - providing aggressive and affordable professional services to consumers who have been victims of debt collection harassment by debt collectors and Credit Repair, to residents in Orlando, Kissimmee, and throughout the Central Florida Area.

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