Has an attorney or debt collector contacted you regarding any of the following matters?
A residential foreclosure
A lien to a HOA or Condiminium Association
Money owed as the result of a timeshare
To curb abusive debt collection practices, the federal government passed the Fair Debt Collection Practices Act (FDCPA) in 1978. The FDCPA prohibits debt collectors from using certain methods to collect outstanding debts, including those related to residential real estate. In fact, under this law the debt collector may actually have to pay $1,000.00 dollars or more for violating your rights!
IF A DEBT COLLECTOR IS SENDING LETTERS OR CALLING YOUR PHONE, SAVE THE LETTERS AND MESSAGES AND HAVE THEM REVIEWED BY ATTORNEY OWENS TO DETERMINE IF YOUR RIGHTS HAVE BEEN VIOLATED.
Some examples of illegal debt collection tactics may include:
An eviction action combined with a demand for payment
Adding in certain costs or fees to a lien or demand for payment
Threatening to change locks or cut off utilities
Threatening to foreclose without the right to do so
Demanding court costs and attorneys' fees prior to obtaining judgement
Threats to take property or garnish wages without first obtaining a court order
Generally, any threat to take any action prohibited by law