Consumer protection laws are often not widely known about in the general community. They are often a hybrid between traditional breach of contract, fraud, and personal injury laws. Consumer protection laws are structured to provide consumers recourse when they feel they have been deceived, defrauded, or otherwise treated unfairly in a transaction. State and federal laws have robust protections for consumers and grant them many rights. Navigate is experienced in standing up for consumers in many different industries including medical debt collection, other debt collection, automotive fraud, lemon law, home purchase fraud, and many other types of consumer cases.
Washington has strong laws to protect medical consumers. If you have medical debt you may be entitled by law to a drastically reduced medical debt. Much of this is depending on what your income was at the time you incurred the medical debt. If you properly assert your rights you may be entitled to have the entire dept wiped away! This does not change even if you are in collections or are currently being sued by a debt collector. If you are currently being sued or have been contacted by a collector and you qualify for a reduced medical bill under Washington law the collection effort must stop immediately.
Under Washington law hospitals are supposed to make the process of applying for reduced medical bills more obvious at the time you require medical services. However, they do not always do this. Further, hospitals routinely deny qualified applicants by improperly evaluating their wealth. Our attorneys are skilled at getting qualified applicants approved. Schedule a free consultation with us to see if we can help reduce your medical debt.
Debt Collection Defense and Settlement
According to the Consumer Financial Protection Bureau, 53% of debt collection efforts are either for the wrong amount, the wrong person, or the debt was not even owed in the first place. If you fall into this category there are laws that can protect you from harassing collectors. Consumers have strong rights under Washington and federal laws like the Fair Debt Collection Practices Act (FDPA), Truth in Lending Act (TILA), and the Washington Consumer Protection Act. Debt collectors have strict rules they must adhere to when pursuing a debt. Even if you owe the debt a collector is pursuing, they still cannot harass or intimate you, can only call certain people at certain times of the day, must be properly licensed, must make certain required disclosures in all communications with you, and many other requirements. The law knows that you likely are not choosing to fall behind on your payments and require that you be treated with dignity and respect. These requirements are all tools an experienced attorney with debt collection matters can assert on your behalf to negotiate with the collector. Schedule a free consultation with us to see if we can assist you with debt collection issues.
Millions of credit reports nationwide contain errors that can affect your ability to get a job, a house, a loan, or cause a host of other issues in your life. You have strong rights under federal law to fix these errors. Common errors are old credit issues that should no longer appear on your report, old debt that has since been paid, or simple mistakes in the reporting between the furnisher and the credit reporting agency. Many credit repair companies will try to sell you offerings in which they will repair your credit. Be weary of these companies. Some of them abused the system and lead to the creation of the Credit Repair Organization Act. It highly regulates anyone who is involved in credit repair services - including lawyers. Anyone can and should make the first attempt at challenging errors on their credit reports. If your efforts are unsuccessful our attorneys can can assert your rights under the Fair Credit Reporting Act.