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An estimated 53% of debt collection efforts have a major error such as they are for the wrong person, the wrong amount, or the debt is not even owed! This shows that the debt collection industry is far from perfect and collection agencies often make mistakes. Just because you receive a demand from a collector does not mean you should automatically pay. If you think the debt collector has made a mistake you should make sure that is known. Regardless of whether you think the collector has made a mistake or not, the following rules likely apply to the debt collector. The following rules only apply to collection agencies – not the originally creditor. If a debt collector violated one of these rules, Eli Marchbanks at Navigate Law Group may be able to take your case at no charge to you:
There are many laws governing debt collectors and this list is far from complete. There are many rights you have that protect you from harassing, unfair, or unsavory collection efforts. If a debt collector violates just one of these laws under state or federal law, you may be entitled to relief of your obligation to pay, additional damages, and/or to have the collection agency pay for your attorney.
If you think you have been subject to unfair collection efforts by a collection agency in Washington or Oregon call Eli Marchbanks at Navigate Law Group today for a free consultation. Eli can be reached at (360) 205-2256 and firstname.lastname@example.org.
Every legal issue is very unique. Accordingly, the information in this blog is intended as general education material and not as legal advice. If you think you may have a legal issue you should consult an attorney.