How a Greenwood Collections Defense Attorney Can Help
Our job is to stand between you and your creditors and put a stop to the constant calls and collection letters. We can demand verification of the debt and help you develop a plan to tackle it. If you've been the victim of harassment or intimidation, we can help you recover damages under federal and state law. The following is an overview of what we do here at the Law Office of Matthew M. Cree, LLC.
Holding Creditors Accountable
If you dispute ownership of the debt, the amount owed, or the collectability of the debt, the creditor must stop all collection activities until it provides written verification of the debt. Failure to do so may trigger your right to bring a claim under the Fair Debt Collection Practices Act for damages.
Ending Harassment and Intimidation
Some debt collectors employ hardball tactics like calling at all hours of the day or intimidating borrowers into paying their debt. You don't have to stand for this. The Fair Debt Collection Practices Act, Indiana's Uniform Consumer Credit Code, and the Deceptive Consumer Sales Act give you the tools to fight back and end creditor harassment. In many cases, the hunter finds itself becoming the hunted.
Asserting Your Defenses
There are many defenses which may partially or completely defeat a debt collector's claim.
These include the following:
- The debt is outside of the statute of limitations (time barred)
- The debt was discharged in bankruptcy
- Prior payments satisfied the debt
Because every situation is different, we review every client’s case with care before determining the best possible defense and course of action.
Verifying and Disputing Your Credit Report
According to the Federal Trade Commission, countless consumer credit reports contain errors, and many aren’t fully resolved—even after disputes. The Fair Credit Reporting Act is designed to protect consumers from these mistakes by requiring debt collectors and other reporting agencies to provide complete and accurate info. A creditor's failure to correct information after notice could give rise to a claim for statutory damages, punitive damages, and even attorneys' fees.