You understand why your credit card company is coming after you. You may have been responsible for the charges, you fell behind in the payments—and now you’re the one who believes that they have to deal with the consequences.
But the way they are pursuing you is getting out of hand: calls every day, letters to your family members, and even emails that are threatening to ruin your credit score. Are companies really allowed to do whatever they want in California?
The Answer is “NO!” when you use The Cardoza Law Group to Sue Debt Collectors for Harassment on Your Behalf!
Consumer Protection Laws Exist to Protect You From Corporations
Credit card companies and other lenders want consumers to believe that they are powerless once they have signed on the dotted line. However, this is far from true. Consumer protection laws were created to change the natural balance of power between creditor and customer. These laws protect consumers from fraud and scams, but also from harassment by bill collectors, utility shut-offs, and loan collection practices that can lead to anxiety, distress, lost wages, and bankruptcy.
At The Cardoza Law Corporation, we have seen firsthand the weaknesses in the debt collection industry. We use the written and verbal communications between you and your collectors to prove that your credit companies have violated the law—and we hold them accountable for their errors with fees and penalties. These penalties may be large enough to not only clear your debt (if it even existed in the first place), but even have enough left over for a cash reward that goes straight into your pocket.
We use our insider knowledge to educate our clients, giving them options and information they need to:
- Avoid bankruptcy
- Restructure their debt
- Create a workable debt plan
- Stop debt collection harassment
- Take legal action against creditors and their debt collection agencies
Our Attorneys Have the Knowledge to Turn the Tables on Your Debt Collectors
I am uniquely qualified to represent clients who are suffering from consumer debt collection. As a former debt collections executive, I know that collection agencies have a tough time proving that you owe a debt and that they accidentally and intentionally violate consumer protection laws with great regularity. When debt collectors violate these laws, they give consumers the right to take legal action against them, opening themselves up to thousands of dollars in potential liability for compensation to the consumer.
I represent clients with nearly every kind of past-due consumer debt, including:
- Credit cards
- Home loans
- Health care debt (including past-due bills for procedures, diagnostic testing, and rehabilitation)
- Rental properties (such as apartments and condominiums)
- Utility companies (such as gas, electric, phone, Internet, and cable services)
- Car and other vehicle loans
- Student loan debt
- Internet loans
- Payday loans
- Car title loans
Harassing Debt Collection Laws Violate California and Federal Law
You don't have to subject yourself to illegal and harassing phone calls from debt collectors. Both Federal law and California state law outline exactly what type of behavior is allowed when debt collectors attempt to contact you, including:
- When and where debt collectors can contact you,
- Whether debt collectors can garnish your wages,
- and more.
If the debt collection agency contacting you is violating these laws, you may be able to file a lawsuit to protect your rights as a California consumer. If this sounds familiar, click here to request a free case evaluation.
You Can Stop Debt Collection Calls and Get on Track. I Can Help
Consumers will often have more than one creditor calling to collect, turning a rough financial situation into a deep well of debt that feels impossible to escape. It is not. I can help you deal with all of your creditors and collectors, getting you the leverage you need to get back on the Path to Prosperity.