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New Clients Email

info@carolinalaw.com

Consumer Law

Collection Agencies & Creditors

Our firm’s team of consumer protection attorneys has years of experience representing victims of unfair debt collection practices by large corporations. Even if you owe a debt, collectors, creditors, and other large institutions must follow strict guidelines when attempting to collect. Consumers are protected by robust laws like the Fair Debt Collection Practices Act (FDCPA) and North Carolina’s debt collection statutes.

North Carolina has some of the strongest protections in the country for individuals against harassment or other unlawful activities by debt collectors and collection agencies. Debtors are not only entitled to receive actual damages because of inappropriate phone calls but can recover statutory damages of up to $4,000 per violation. If unlawful, each phone call, email, text, billing statement, or letter by the collection agency can be construed as a separate violation.

When these rights are violated, you deserve compensation. Some typical instances where you might have a claim for unfair debt collection include:

  • Calls after a discharge in bankruptcy
  • Calls during normal sleeping hours or at times you have told them not to call you
  • Disclosing the existence of the debt to a third party
  • Failing to identify who is calling you and what debt they contend is owed
  • Filing a lawsuit that is barred by the statute of limitations or where they have already accepted money in full payment
  • Filing a lawsuit against you in a different county from where you live or signed a contract
  • Improper assessment of fees or interest in a billing statement
  • Inaccurate billing records or failure to credit payments
  • Reporting or threatening to report to credit reporting agencies when the debt is not owed
  • Using misleading or confusing language in their letters and statements
  • Telephone calls after you’ve told them to stop calling
  • Threats to garnish wages or to prosecute criminally
  • Threats to file a lawsuit with no intention of doing it

Contact our intake team today if you believe a debt collector is violating your rights. We provide free consultations with consumer attorneys regarding FDCPA and other collection law violations. We also accept these cases on a contingency basis so that you pay no attorney fees unless we make a recovery on your behalf.