Excel Legal Group: Understanding Their Debt Collection Practices
Who Is Excel Legal Group? 📌
Excel Legal Group is a law firm based in Corona, California, offering a range of legal services, including debt collection. If they have contacted you regarding a debt, they may be acting on behalf of creditors or pursuing legal action for unpaid debts.
Company Contact Information:
- Address: 1101 California Ave, Suite 100, Corona, CA 92881
- Phone: (800) 783-3400
- Website: excel.law
Debt Collection Practices of Excel Legal Group 🔍
As a law firm engaged in debt collection, Excel Legal Group must adhere to federal and state regulations. Their methods may include sending letters, making phone calls, or initiating lawsuits for unpaid debts. It’s crucial to understand your rights before responding to their collection attempts. Learn more about how to deal with debt collectors to safeguard yourself.
Your Rights Under the FDCPA When Dealing with Excel Legal Group 🛑
The Fair Debt Collection Practices Act (FDCPA) offers consumers protections against abusive and deceptive debt collection practices. Key rights include:
- Right to Validation: You can request written verification of the debt.
- No Harassment: Collectors cannot use threats, profane language, or make excessive calls to pressure you.
- Limited Communication: You can request that they communicate only in writing or through your attorney.
- Protection Against False Information: Debt collectors cannot misrepresent the amount owed or falsely claim legal actions.
For a comprehensive understanding of your rights, visit our FDCPA violations page.
How to Respond If Excel Legal Group Contacts You ✉️
If you’re contacted by Excel Legal Group, consider the following steps:
- Do Not Ignore Their Communication: Prompt responses can help you avoid potential legal action.
- Request Debt Validation: Verify the legitimacy of the debt before making any payments.
- Keep Records: Document all interactions, including letters and phone calls.
- Seek Legal Advice: If you believe your rights have been violated, consult with a consumer rights attorney. Check out our legal assistance page for more details.
Can Excel Legal Group Sue You? ⚖️
Yes, Excel Legal Group may initiate a lawsuit on behalf of a creditor if they believe you owe a debt. Receiving a court summons requires immediate attention; ignoring it could result in a default judgment against you, leading to wage garnishment or bank levies.
Removing Excel Legal Group from Your Credit Report 📊
If their name appears on your credit report, it may impact your credit score. Consider these actions:
- Check for Errors: Dispute any inaccuracies with the credit bureaus.
- Request Debt Validation: If they cannot prove the debt, it may be removed from your report.
- Negotiate a Settlement: In some cases, you can negotiate to have the account removed in exchange for payment.
Visit our credit repair solutions page for more insights on handling credit-related problems.
How Consumer Rights Law Firm PLLC Can Assist You ⚡
At Consumer Rights Law Firm PLLC, we support consumers facing unfair or aggressive debt collection tactics. Our services include:
- Disputing Invalid Debts: Challenging incorrect debt claims and reporting errors.
- Stopping Harassment: Ending abusive collection practices.
- Negotiating Favorable Settlements: Working towards reducing or eliminating your debt.
- Defending Against Lawsuits: Representing you if legal action is taken.
Contact Us Today ☎️
Facing debt collection challenges? We’re here to protect your rights and combat unfair practices.
- Call us now at (877) 700-5790
- Visit our Better Business Bureau Profile
- Learn more about us on our About Us page
Our experienced attorneys are ready to assist you in resolving your debt collection concerns.